CBS User Guide WB Ver 1

USER GUIDE ON
CORE BANKING SOLUTION

(DOP FINACLE)
VER 1.0
WEST BENGAL CIRCLE

LAST UPDATED ON
09.05.2016
All the procedure described in this document is prepared as on date available. It may be changed
at any moment as per Finacle software is changed. Always check the latest information available.
If you found anything to be supplemented or anything wrong in this guide book mail to
cwtcwb@gmail.com
Your valuable suggestions are welcome
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DOP Finacle User Guide Ver 1.0 West Bengal Circle
TABLE OF CONTENTS
SECTION -1 INTRODUTION
1.1 Introduction to Core Banking Solution (CBS) and Finacle
1.2 Basic features of Core Banking Solution (CBS) and Finacle
1.2.1 Command based System
1.2.2 Browser based (Web Package) System
1.2.3 Double Entry System
1.2.4 Maker-Checker in Finacle
1.2.5 About SOL (Service OutLet) and BO Code
1.2.6 Different types of Users in Finacle
1.2.7 Creation of Customer Information File (CIF)
1.2.8 Account Numbers in Finacle
1.2.9 Funding of Account (Deposit while opening of account)
1.2.10 Inventory Movement
1.2.11 Acceptance of Bulk RD Deposits of MPKBY Agents
1.2.12 Office Account concept
1.2.13 Transaction Status in Finacle
1.2.14 Day End and Begin
1.2.15 Role of CPC
SECTION - 2 LOGIN, PASSWORD, TOOLS & BUTTONS

2.1 Login procedure in Finacle
2.2 The main Finacle window is explained below with figure
2.3 Logout Procedure in Finacle
2.4 Problem faced regarding login [user logged in / user is locked]
2.4.1 User Logged in
2.4.2 User is Locked
2.5 SOL change/Role change request
2.6 User/Supervisor/User Champion Creation
2.7 Password Change
2.8 Tools & buttons used in Finacle
2.9 When your PC is not responding/Hanged
2.10 Deleting Cookies and Temporary Internet File
SECTION -3 GETTING NEW A/C NUMBER
3.1 To find out New Account number or CIF ID in Finacle using Old A/c Number
3.1.1 Procedure 1- By using command in Finacle
3.1.2 Procedure 2 – By Using PDF file
3.2 Entry of New A/C ID & CIF in the Passbook or Certificate
3.3 To Find the CIF of the 2nd or 3rd Holder of Migrated Account
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SECTION -4 VAULT TRANSACTION
4.1 About Vault Transactions
4.2 Debit (Dr.) and Credit (Cr.) Procedure in Vault & Teller Transaction
4.3 Procedure of Transferring cash from Vault to Teller
4.4 Transaction in Teller Account
4.5 Procedure of Transferring cash from Teller to Vault
SECTION -5 INVENTORY
5.1 About Inventory Movement
5.2 Movement of Inventory from the External to Main stock (Double Lock)
5.3 Verification process by Supervisor
5.3.1 At Single Handed Office [Where Supervisor himself is Authoriser]
5.3.2 At Head Office or Sub Office where more than one Supervisor exists
5.4 Movement of Inventory From Main stock (Double Lock) To Counter
5.6 If the Transaction ID could not be noted for any reason
5.7 Splitting of Cheque Book
5.8 Merging of Cheque Book
5.9 Return of Inventory to Double Lock (Main Stock) from Employee (Counter)
5.11 Inquiry of Inventory
5.11.1 To see Particular counter and All or Particular inventory item
5.11.2 To see Double Lock Stock - All or Particular inventory item
SECTION -6 KYC & ACCOUNT OPENING FORM

6.1 About KYC & AOF
6.1.1 In case of new customer who has no accounts in Post office
To be given to customer
To be taken from customer
Disposal of Photo
Disposal of Documents
6.1.2 Modification of existing customer
To be given to customer
To be taken from customer
Disposal of KYC & Documents
6.2 Sample Account opening form
6.3 Sample KYC Form
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SECTION -7 CIF (CUSTOMER INFORMATION FILE)
7.1 About CIF
7.2 To check whether the customer is an existing customer
or searching a CIF of a customer
7.3 New CIF Creation
7.4 CIF Verification Process - By Super
7.5 On verification if Supervisor found a mistake
1. CIF Rejection
2. CIF Modification (Before verification)
3. CIF Verification
7.6 Process of modification of CIF (Modification of existing CIF or migrated CIF)
7.7 Verification Process After Modification
7.8 Situations – When CIF has to be Modified
7.9 Modification of CIF in case of Death/Death Marking
7.10 Changing The CIF ID of Main(first) Account Holder on account of Death or
Account transfer
7.11 Verification of Merger
7.12 Merger of CIF ( in case more than one CIF exits of a customer)
7.13 Inquire the accounts opened under one CIF ID
7.14 Name Change in CIF & Account Number
7.14.1 Name change in CIF level
7.14.2 Name change in Account level
SECTION -8 SAVINGS BANK ACCOUNT(SB)

8.1 About Post Office Savings Bank Account (SB Account)
8.2 Opening of SB Account
8.3 Verification of SB Account
8.4 Modification before verification [by same operator]
8.5 Modification of existing SB Account
8.6 To make Silent A/c Active
8.7 To change Scheme of SB A/c
8.8 Issue of Cheque Book
8.8 Issue of Cheque Book Verification
8.9 Cheque Book Inquiry
8.10 To find an Account number by a Cheque Number
8.11 SB Transactions
8.11.1 SB Cash Deposit By Counter PA
8.11.2 Verification of Cash Deposit by Super
8.11.3 SB Cash Withdrawal by Counter PA
8.11.4 SB Cheque Withdrawal by Counter PA
8.11.5 Verification of Cash/Cheque Withdrawal by Super
8.13 Transfer Transactions (customer induced)
8.14 Rectification of wrong Transaction
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8.15 Print Passbook
8.15.1 New Passbook Print
8.15.2 New Continuation Passbook Issue
8.15.3 Duplicate Passbook Issue
8.15.4 Passbook Reset
8.16 Branch office SB Deposit
8.17 Branch office SB Withdrawal
8.18 SB Account closer (HO or SO Account)
8.19 Branch Office (BO) SB Account closer
8.20 Account Balance Check
8.21 Account Details Check
8.22 Pre Migration Transaction Check (Transactions of Sanchaya Post)
8.23 Stop payment
Verification process by Supervisor
8.24 Revoking Stop payment
8.25 Cheque Book Destroy Procedure
8.26 Other functions of the Menu HCHBM
SECTION -9 PMSBY-PMJJBY-APY
9.1 PMSBY [Pradhan Mantri Suraksha Bima Yojana] & PMJJBY [Pradhan Mantri
Jeevan jyoti Bima Yojana]
SECTION -10 TD, MIS & SCSS
10.1 About Time Deposit Account (TD)
10.2 About Monthly Income Scheme Account (MIS)
10.3 Given below are some of the Terms used in TD/MIS/SCSS Account.
10.4 General Issues regarding TD/MIS/SCSS Account
10.5 Monthly Income Scheme (MIS) Account opening
10.6 Time Deposit (TD) Account opening
10.7 TD or MIS A/c Modification Before Verification
10.8 Verification of new MIS or TD Account
10.9 Modification of Existing TD or MIS Account
10.10 Verification of Existing TD or MIS Account
10.11 To update Standing Instructions from MIS/TD to SB A/c
10.12 About Senior Citizen Savings Scheme(SCSS)
10.13 Opening of Senior Citizen Savings Scheme (SCSS)
10.14 Modification of SCSS Account
10.15 View TD/MIS/SCSS Interest (Only to view Interest amount)
10.16 View TD/MIS/SCSS Interest (To view before migration Interest amount)
10.17 TD/MIS/SCSS interest payment
10.18 BO TD Interest Payment at Accounts office
10.19 TD/MIS/SCSS interest payment of other SOL
10.20 About Closer of TD/ MIS/SCSS Account
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10.21 Closer of TD/MIS/SCSS A/c on Maturity /Premature/ Death closer
10.22 BO TD Closer
10.23 Inquiring Accounts using BO Code
10.24 Extension of SCSS Accounts
10.25 Submission of 15G/15H in SCSS Accounts
10.26 Refund of TDS if wrongly deducted in SCSS Accounts
10.27 Premature Closer of SCSS in Lock in period
SECTION -11 RECURRING DEPOSIT(RD)

11.1 About Recurring Deposit
11.2 RD Account Open
11.3 Verification of RD Account Open
11.4 RD Installment Deposit when Account stands at HO/SO
11.5 RD instalment deposit verification
11.6 RD Installment Deposit when Account stands at BO
11.7 Standing Instruction
11.8 SB to RD SI Procedure
11.9 SB to RD SI Verification
11.10 About Loan/Half Withdrawal against RD
11.11 RD Loan Account Opening
11.12 Verification Of Loan Account Opening
11.13 Disbursement of Loan
11.14 Disbursement of Loan Verification
11.15 Repayment of loan/part payment of loan
11.16 Repayment of loan verify
11.17 Closer of loan account
Step 1: Final payment of loan amount + Loan Interest or only Loan Interest payment
Step 2: Final payment of loan amount + Interest verification
Step 3: Loan account closer
Step 4: Loan account closer Verification
11.18 About RD Account closer
11.19 RD Closer – Normal Matured Account
11.20 RD Death Claim Closer
11.21 Branch office RD Closer
11.22 Deleting SI linked to RD
11.23 Linking and Delinking RD agent from an account-
11.23.1 Linking agent
11.23.1 De-Linking agent
11.24 Different situations in RD Account closer
11.25 Posting of Reference no. generated in Agent Portal (RD bulk posting)
11.26 RD Bulk Posting by DOP and Non dop cheque
11.26.1 Posting by DOP Cheque
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11.26.2 Posting by Non-DOP Cheque
11.27 RD Extension
11.28 Maturity Date Deferment in RD account
11.29 View Pending Installment in RD
11.30 PRSS Bulk List Posting
SECTION -12 PUBLIC PROVIDENT FUND (PPF)

12.1 About Public Provident Fund Account (PPF)
12.2 PPF Account Opening
12.3 PPF Account Opening Verification
12.4 Funding of PPF/Repayment
12.5 Verification of PPF Funding/repayment
12.6 Part withdrawal from PPF account
12.7 Part withdrawal from PPF Account - Verification
12.8 About Loan against PPF
12.9 PPF Loan Account Opening
12.10 PPF Loan Account Opening Verification
12.11 PPF loan Disbursement
12.12 PPF loan Disbursement Verification
12.13 Repayment of loan/interest
12.14 Repayment of loan/interest Verification
12.15 Closer of PPF account
12.15.1 PPF Closure (without loan)
12.15.2 PPF Closure (with loan)
12.16 Verification of Closer of PPF account
12.17 Extension of PPF
SECTION -13 SUKANYA SAMRIDDHI ACCOUNT (SSA)
13.1 About Sukanya Samriddhi Account
13.2 SSA Account Opening in Finacle
13.3 First Deposit & Subsequent Deposit made in SSA Account in Finacle
SECTION -14 NSC & KVP
14.1.1 About National Saving Certificate (NSC)
14.1.2 About Kisan Vikas Patra (KVP)
14.2 NSC/KVP Account Opening
14.3 Modification before verification
14.4 Verification of new NSC/KVP Account
14.5 Certificate Printing
14.6 Modification of existing NSC/KVP account
14.7 About NSC/KVP Account closing
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14.8 NSC/KVP Account closing [Bulk]
14.9 NSC/KVP Account Closing [Individually-one at a time]
14.10 NSC/KVP Account Closing Verification [Individually-one at a time]
14.11 Duplicate Certificate Print
14.12 Pledging of Certificate – See General Issue Section
SECTION -15 NSS & OTHER DISCONTINUED SCHEME

15.1 About Discontinued Scheme
The procedure for payment of principal amount of discontinued schemes to be followed is
The procedure for payment of interest amount of discontinued schemes to be followed is
15.2 NSS87 Payment
If withdrawal amount is less than 2500 and mode of payment is cash
If withdrawal amount is less than 2500 and mode of payment is Transfer
If withdrawal amount is 2500 or more than 2500 and 15G/15H is not submitted
If withdrawal amount is 2500 or more than 2500 and 15G/15H is submitted
15.3 NSS87 Closer
SECTION -16 AGENT PORTAL
16.1 Addition of an Agent
16.2 Addition of an Agent Verification
16.3 Procedure to copy an Agent
SECTION -17 GENERAL ISSUE
17.1 Transaction ID searching
17.2 Non financial transaction searching
General Ledger Subhead code:
17.3 Inquiry of Transaction
17.4 Deleting of Transaction
17.5 Signature View
17.6 How to tally cash - if excess cash found in the counter (teller)
17.6.1 Cash Deposit Procedure in Sundry Account
17.6.2 Verification of deposit By Supervisor
17.6.3 Reversal of Excess Cash - Kept in Sundry Account
17.6.4 Verification of Reversal of Excess Cash - kept in Sundry Account
17.7 Lien Maintenance
17.7.1 Marking Lien
17.7.2 Marking Lien Verification
17.7.3 Revoking Lien/Modifying Lien
17.7.4 Revoking Lien/Modifying Lien Verification
17.8 Freeze an account
17.8.1 Freeze an Account Procedure
17.8.2 Freeze Account Verification
17.8.3 Unfreeze an Account Procedure
17.8.4 Unfreeze an Account Verification
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17.9 Reinvestment Procedure in Finacle
17.10 Account Transfer Between SOLs
17.10.1 Procedure by PA
17.10.2 Verification by Super
17.11 Intersol Transaction
17.12 Closer of Accounts at other SOL
17.13 Death Claim case at other SOL
17.13.1 Certificates (NSC/KVP)
17.13.1 MIS/TD/SCSS/PPF/RD
17.14 Transfer of Accounts
17.15 How to handle cheques sent for collection before migration to CBS but
clearance received after migration
17.16 Single to Joint account
17.17 Joint to Single Account/Deletion of 3rd joint holder
17.18 Major to Minor conversion
17.19 Addition/Modification of Nomination
SECTION -18 CHEQUE PROCEDURE
18.1 Procedure for handling Cheques presented at CBS SOs
18.2 Procedure for handling Cheques presented at CBS HO
SECTION -19 REPORT
19.1 REPORT TO BE TAKEN BEFORE EOD
SECTION -20 EOD & BOD
EOD/BOD(End of Day/Beginning of Day) Procedure in Finacle CBS
Steps to be followed before EOD
EOD Steps:- Only First step of EOD to be done at SO/HO
SECTION -21 OFFICE ACCOUNT
21.1 Office Account
SECTION -22 MENU SHORTCUT
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SECTION -1 INTRODUTION
1.1 Introduction to Core Banking Solution (CBS) and Finacle

Core stands for “Centralised Online Real-time Exchange” which means online service
provided through a centralized server.
Post Offices migrated to CBS, access applications from centralized server installed at the
Data centre in Navi Mumbai and is maintained by M/s Reliance. The Disaster Recovery Centre
(DRC)/ Backup server is at Mysore. The online software accepted by Postal Department is Finacle
which has been developed by M/s Infosys. Network Integrator is M/s Sify.
CBS is networking of Post office branches. Near about 25,500 departmental post offices
are going to be migrated in CBS platform. Customers of CBS Post Offices will be able to operate
their accounts from any post office on CBS network, regardless of where they maintain their
account. CBS is a step towards “Anywhere and Anytime Banking”.
One CBS-CPC (Circle Processing Centre) has been formed in each circle, for processing
banking related operations which are not customer facing.
1.2 Basic features of Core Banking Solution (CBS) and Finacle

1.2.1 Command based System -
Finacle is Command based system. For every transaction one command or menu has to be
given to the system. Most of the Commands /Menus start with either H or C. Menus starting with
H are original Finacle menu and those starting with C are customized for DOP. Only a few
commands are there which are not starting with C or H.
1.2.2 Browser based (Web Package) System -
Finacle is a web based package. Browser software Internet explorer version 8 is used.
Other browser software will not work. Operating system should be Windows 7, but it works in
Windows XP and Windows 8 also. No separate client software is used to connect the Central
server. Anti fishing features is inbuilt to make the system secured.
1.2.3 Double Entry System -
CBS will have double entry accounting system. A double-entry bookkeeping system is a set
of rules for recording financial information in a financial accounting system, in which every
transaction or event changes at least two different nominal ledger accounts. This accounting logic
will be inbuilt in the CBS software. However, all cash based accounting reports including day end
reports will be available for accounting purposes. Through CBS postal banking system will be more
modernized and secured as well.
The accounting equation is the very heart of a double entry accounting system.
Assets - Liabilities = Equity + (Income – Expenses)
For every change in value of one account in the Accounting Equation, there must be a
balancing change in another. This concept is known as the Principle of Balance. You will always be
concerned with at least 2 accounts, Necessary to keep the accounting equation balanced. Double-
entry bookkeeping gets its name because you enter all transactions twice.
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 Advantages of Double Entry System:-
 It is possible to keep a full record of dual aspect of each transaction.
 Transactions are recorded in a scientific and systematic manner and thus the books of
accounts provide the most reliable information for controlling the Organization efficiently
and effectively.
 Since the total debit under this system be equal to total Credit, arithmetical accuracy of
the books can be tested by means of a trial balance.
 An income and expenditure accounts can be prepared to know the excess income/
expenditure during a particular period and to know how such excess income/ expenditure
has arisen.
 The financial position of the Organization can be readily ascertained by preparing a
Balance Sheet.
 Frauds are prevented, because alteration in accounts becomes difficult and discovery of
irregularities is facilitated.
 Debit (Dr.) & Credit (Cr.) -

Debits are always on the “left side”, credits are always on the “right side”.
 When any transaction takes place between two accounts/persons/concerns etc. then it is
debited in one account and simultaneously credited in another account.
 Accounting Debits (Dr.) and Credits (Cr.) generally do not mean “decrease” and
“increase”. It may be reverse also. It purely depends upon the type of accounts which are
involved in a transaction.
In Asset and Expense accounts :
Debits increase the balance and Credits decrease the balance.
In Liability, Equity and Income accounts:
Debits decrease the balance and Credits increase the balance.
 Classification of Accounts -
 Personal Account :- When a transaction involved with a person or business concern,
known as personal account such as M/S. Kanjilal & sons A/c, Mr. Rama’s A/c, Customer
A/c etc.
 Nominal Account :- All expenses/incomes are known as Nominal Account, such as salary,
Rent, Interest, commission etc.
 Real Account :- Accounts related to Assets such as Machinery, Furniture, Teller A/c, Vault
A/c, Cash A/c, Bank A/c etc.
 Debit and Credit Rules of Double Entry System of each type of account-
 In case of Personal Account –

o Debit the receiver and Credit the giver.
So who is receiving the cash is Dr. and is who is giving the cash is Cr.
 In case of Nominal Account –
o Debit all expenses and losses and Credit all income and liabilities.
 In case of Real Accounts –
o Debit what comes in and credit what goes out.
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1.2.4 Maker-Checker in Finacle –
 Maker-checker (Maker and Checker, or 4-Eyes) is one of the central principles of

authorization in the information systems of financial organizations. The principle of maker
and checker means that for each transaction, there must be at least two individuals necessary
for its completion.
 Finacle uses maker checker concept. Here any transaction has to be processed by different
user. Same user cannot enter/post and verify the transaction. Every transaction created by
the Counter PA has to be verified by a Supervisor. In some special cases only where a
Supervisor has to initiate a transaction, must be verified by another Supervisor.
 In Finacle CBS a transaction ID/Standing instruction no/Inventory id/Ref no etc. may be
generated during transaction. The transaction ID should be noted on the voucher in Red ink.
Where voucher is not involved note the Tran ID on a blank sheet of paper.
 While verifying Supervisor has to ensure that Tran-ID is written on the voucher. During
verification process these numbers are used by the Supervisor. From the Tran-ID, anyone can
see the details of the transaction anytime later.
 CIF open or modification, any type of Account opening, closing or modification, Inventory
entry, Inventory Issue like Cheque book, SOL transfer, Scheme Change, Passbook reset, Stop
payment, SI, Bulk posting of RD, Freeze/Unfreeze of account, Lien Marking of account etc. has
to be verified by Supervisor.
1.2.5 About SOL (Service OutLet) and BO Code –
 In Finacle, each Departmental Post Office is called Service Outlet (SOL) and allotted an ID
which is called SOL ID. SOL ID consists of 6 digits Pincode of the office and a 2 digit code. For
example Pincode of Yogayog Bhawan PO is 700012 and the 2 digit code allotted is 03, so the
SOL ID of Yogayog Bhawan PO is 70001203. All the HOs have been allotted “00” as the last 2
digit of the SOL ID.
 Combinations of different SOLs in Finacle is called SOL Set.
 Each Branch Post office will be allotted a separate Code called BO Code during migration
which needs to be selected at the time of BO account opening.
1.2.6 Different types of Users in Finacle –
 There are different types of users in CBS Finacle. They are Counter Assistant or Operator,
Supervisor, Postmaster, User Champion, Auditors etc. The roles of these users are different.
The role can be changed (Counter PA to Super or vice versa) at CPC level.
1.2.7 Creation of Customer Information File (CIF) –
 In Finacle, for every depositor, CIF has to be created if not exist. CIF Number will be in 9 digits
generated by the system. For any investment every customer must have this CIF.
 At the time of migration, new CIF will be created automatically by the system for each
depositor or guardian. All accounts of a customer will be attached with the CIF in Finacle CBS.
 After Migration to CBS, each customer has to be provided the new Account number either by
using a command in Finacle or by searching the Sanchay post – Finacle Mapping PDF file
before doing any transaction.
 CIF, New Account Number and Scheme for the above mentioned old account number will be
displayed in both the cases.
 Counter PA has to write new CIF and Account number in the Passbook of old customers as
and when it is presented for transaction.
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 Using the CIF Total investment of a customer can be found by using a command.
1.2.8 Account Numbers in Finacle –
 In Finacle, Account no. is called Account ID. Account number will be generated by the Finacle
CBS application randomly and will be in 10 digits.
 From the Account ID, you cannot identify the scheme as it has no such indication.
1.2.9 Funding of Account (Deposit while opening of account) –
 In Finacle, deposit is called Funding.

 Savings and PPF Account cannot be funded during account opening. Funding has to be done
separately after opening of Savings and PPF Accounts.
 In case of other types of accounts/certificates, funding has to be done while opening the
accounts.
1.2.10 Inventory Movement –
 All the inventory items (Certificates, Cheque book etc.) have to be entered in CBS Finacle
afresh after the migration. The Main stock is called Double Lock in Finacle.
 Passbook stock cannot be maintained in Finacle. After migration in CBS, it has to be
maintained manually.
1.2.11 Acceptance of Bulk RD Deposits of MPKBY Agents –
 After Migration to CBS, RD Bulk Lists are to be accepted only through Agent Portal.
 In Finacle CBS Application, there is no provision to accept accounts linked to MPKBY/PRSS
Agents/Leaders at counter.
1.2.12 Office Account concept –
 Finacle CBS Application is based on Double Entry accounting system.

 Every entry into Finacle CBS has two legs i.e Debit (Dr.) and Credit (Cr.).
 Many Office Accounts have been opened for taking care of the second leg of posting.
 Some of the Office Accounts are operated by Counter PAs and Supervisors and some are
maintained by the System itself.
 Supervisor has to take, LOT of Office Accounts operated by user on daily basis and verify
these transactions with office record.
 Office accounts are represented by SOL of the office and a 4 digit fixed number. For
example, Vault A/c ID of the office, having SOL 70001203 is 700012030406. Post Masters
Cheque A/c of this SOL will be 700012030340 etc.
1.2.13 Transaction Status in Finacle –
After the transaction made by counter PA in finacle, it may remain in the following states
depending upon the type of transaction.
1) Entered - Transaction will not go to the ledger directly. Only after verification by Supervisor,
it will reflect in the ledger. So in the cases where transactions remain in Entered state,
payment may be done only after the verification. After verification Entered transaction goes
to Verified state. Any transactions which are in Entered state can be deleted.
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2) Posted - Transaction directly goes to ledger. Still to be verified by Supervisor. After
verification Posted transaction goes to Verified state. Posted transaction cannot be deleted.
3) Verified - All Posted/Entered transactions and some Deleted transactions after verification
will be in Verified state. Verified transaction cannot be deleted.
4) Deleted - Transactions which have been deleted.
1.2.14 Day End and Begin –
 In CBS Finacle Day end is Called EOD (End of Day). On doing the EOD, BOD (Begin of Day) of
the next day of a SOL is done automatically.
 The End of Day process in Finacle is done in three parts – First at SO/HO level, then at CPC
level and the last part at the Data Centre level for date changeover.
 SO/HO has to clear blocking validations and wait for change of date before leaving office.
 At CPC, System Administrators (User Champions) will do End of Day for SOs and HOs under
the circle.
 Once all CPCs do the EOD, CEPT Team at Chennai will do EOD at Data Centre Level.
1.2.15 Role of CPC –
 CBS operational support for the CBS POs

 Finacle User’s password reset & unlock etc.
 Support if any problem encountered in Finacle operations.
 Escalate Finacle related problems to CBS CEPT when required.
 Completion of EOD operation for each SOL up to circle level.
 Upload of KYC details (photo & signature).
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SECTION - 2 LOGIN, PASSWORD, TOOLS & BUTTONS
2.1 Login procedure in Finacle –
1. Open Internet Explorer.
2. Click Favorite button or Favorite Menu.

Select “Finacle Universal Banking Solution”
entry from the list.
3. A new screen will come which says

“There is a problem with this websites
security certificate”. Click on Continue to
this website (not recommended) link.
[See Fig 1]
4. Login window will come and a small

“Security Warning” window will also
come. Click Continue button in small
window. [See Fig 2]
5. Wait for about a minute or two and again a

“Security Warning” window may come, click on the
check box, and click on run button. [See Fig 3]
Note : In some system this option may not come.
6. The status will change from “Error loading

applet” to “Applet coreapplet started” or “Applet
loaded successfully”.
7. Now Enter User ID in small letter, press Tab in

the keyboard and enter password in small letter.
Click on Login button or press Enter. [See Fig 4]
Note : Before entering the User ID and Password

ensure that Caps Lock is Off and Num Lock is On. If
wrong user id or password is entered Three times
Consecutively the User ID will be locked.
8. It will show “You will be redirected to your default

application now”. Click Ok.
Always Single click while using Finacle.
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2.2 The main Finacle window is explained below with figure –
Fig 6
Note : Do not click Close, Back or Refresh button while working in Finacle Software.
2.3 Logout Procedure in Finacle –

1. Click on small logout button. [See Fig 6]. It will ask whether you want to logout.
2. Click Yes.
2.4 Problem faced regarding login [user logged in / user is locked] –

2.4.1 User Logged in - Due to link failure problem or any other reason where any user could not
logged out properly, the user will be remained in logged in condition in central server. This is a
security issue. In this situation following procedure to be followed.
At the time of login it is showing “User already logged in”. There is a login button below the
message. Click on this button. A message will come "Do you want to reset the previous session
and re-login". Click Ok button. The home page will open with User ID. Enter the password only
and login.
2.4.2 User is Locked -
If any User/Supervisor is locked, contact CPC to unlock the user. The concerned office has
to send a mail to CPC for that. Mail ID of CPC is cpcwestbengal@gmail.com.
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2.5 SOL change/Role change request -
SOL change (User or Supervisor transferred or deputed to different SOL) or Role change
(User to Super or Super to User) request to be sent to CPC by email at
cpcwestbengal@gmail.com.
2.6 User/Supervisor/User Champion Creation –
User, Supervisor, User champion creation request to be sent to CPC by email at
cpcwestbengal@gmail.com at least 2 days earlier.
2.7 Password Change –
On the first day of CBS Migration all users will be provided with a User ID & a default password
like “dop.1234”.
The user has to change password on first logon. Before that they have to write down the
password somewhere. Password should be kept in a secured place so that nobody can see that.
Password of DOP Finacle is minimum 8 characters long and maximum 15 characters long.
Password should contain at least three of the following –
1. At least one numeric character (0-9).

2. At least one Special Character like !, @, #, $, %, ^, &, *, +, -, . etc.
3. At least one Capital letter (A-Z)
4. At least one small letter (a-z)
Enter the old password (dop.1234) in the first box and enter the new password in other two
boxes. Click Submit. Logout and Login again with the new password.
Procedure to Change the Password –

1. Click on the small red Key on the left of logout button. [See Fig 2.1]
2. A window will appear. In the *Change field, Password option is selected by default. Click Go.
[ See Fig 2.2]
3. Three boxes will appear. Enter the old password in the first box and 4. Click Submit.
enter the new password in other two boxes.
5. Logout and Login again with the new password.
The password should not be chosen from the last 5 password, used in Finacle. Password has
to be changed in every 60 days. If the password is not changed within 60 days, the password
expires. While trying to login with the old password, it will automatically prompt to change the
password.
If you have to share the password due to some unavoidable situation, change it immediately
for security reason after the work done. In normal situation do not ever share your password.
Fig 2.1
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Fig 2.2
2.8 Tools & buttons used in Finacle –
Fig 2.3
Menu/Command Box: Where you put the command or Menu. After entering
menu press Enter key or click the Go button.
Go Button: To Go to the next window or screen. Press F4 Function key instead.
Submit Button: After entering all the information, Submit button is pressed.
After pressing the submit button, the transaction is completed. F10 Function key
may be used instead.
TAB or Page: To move from one Page or Tab this button is pressed. In some
cases, all the TABs or pages have to visit to complete one transaction or
verification process.
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Fig 2.4
Searcher Button: On clicking this button many options are shown. Only one
option has to be chosen. You can enter the option by typing also but the spelling
should match with the option shown in the list.
Fig 2.5
List Box: List of option will come, any one option from the list should be chosen.
Text Box: Entry has to be made here by typing in the keyboard.
Option button/Radio button: Round shaped button. Only one option at a time
can be chosen.
Date picker: Date can be picked from here.
Check box: If click here, a tick mark will come, that means this option is chosen.
Expand/Collapse: More information are hidden under this button if in Expand
condition. To shorten the length of the form this button is used. If it is clicked,
hidden information is shown and automatically changes to Collapse button.
Click Outside: For calculation purpose or to get more information (A/c
information, Sol information & other information) automatically from server.
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Fig 2.6
View Details button: Detail information can be seen.
Signature button: To see the signature. F9 Function key can also be used also to see
the signature.
Validate button: To check whether every entry made are correct. Sometimes this
button is used to calculate something.
Post Button : To Post any transaction.
Cancel Button: To cancel something.
Fig 2.7
2.9 When your PC is not responding/Hanged –

Do not restart the PC
1. Press Ctrl+Alt+Del key in the keyboard simultaneously or right click on Taskbar.
2. Click Start Task Manager.
3. Select the entry in the small window.
4. Click End task button.
5. Click End now button
6. Close the Task Manager Window.
7. Click Restart the program.
8. Restore your last session/Go Home page option will come. Click Home page to start again.
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2.10 Deleting Cookies and Temporary Internet File
For deleting cookies and temporary internet file Press Shift+Ctrl+Delete keys
simultaneously. The following window will appear. Select the shown entries only and click on
Delete button.
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SECTION -3 GETTING NEW A/C NUMBER
3.1 To find out New Account number or CIF ID in Finacle using Old A/c Number –
3.1.1 Procedure 1- By using command in Finacle –
1. Menu: CNAC - Click Go [Fig 3.1]

2. Old A/c No. : Enter SOL ID, Scheme & Old account Number/Certificate Number (in case of
Certificate) without any space. If the certificate suffix number is starting with “0”, do not enter
the zero. For example : If the certificate no. is 03EE 078345, then it should be entered as
70003300NSC03EE78345
Schemes are : SB, TD, RD, MIS, NSC, KVP, SCS, NSS etc.
e.g. 70003300SB345689 or 70000700MIS8978563 or 70003300NSC66EE787980
3. On Submit it will show New Account ID, CIF ID and CIF name(Holders name) [Fig 3.2]
Every account will have one new 10 digit Account No. and one 9 digit CIF ID. So if a customer
have 5 TD a/c, 6 MIS a/c, 1 SB a/c and 4 RD a/c, he/she will have total 16 different new A/c ID
and 16 different CIF ID in Finacle. In case of certificate, under one registration number, only one
CIF ID will be generated but each certificate will bear different A/c ID.
Fig 3.1
Fig 3.2
Note - To Find out SOL ID of Different Office –
If a customer of different SOL came and SOL is not known, then use the Menu HFTI. In the
SOL Set Id field, just enter the Pincode of the Post office and click the searcher button. List of SOL
ID with Post office name will come. Note down the SOL ID. Only those offices will come which
have been migrated in CBS.
Fig 3.3
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3.1.2 Procedure 2 – By Using PDF file -
Use the Sanchaypost-Finacle Mapping PDF file to find out the New Account number, CIF ID,
account holder’s name and scheme. This procedure will only work for own SOL. Information of
other SOL is not available.
 Open the PDF file.
 Press Ctrl+F.
 In the Find Box, enter the Old Account no. or Registration no. or Certificate number or
Name of the holder. See Figure below.
 Click Next button. Cursor will jump to that record and highlight.
Fig 3.4
3.2 Entry of New A/C ID & CIF in the Passbook or Certificate -
 Note the Account ID and CIF on the Passbook or Certificate in RED Ink.
 New Account ID will be required for transaction in Finacle and CIF will be required to see
the Signature using IES command.
3.3 To Find the CIF of the 2nd or 3rd Holder of Migrated Account -
 For the Migrated account CNAC menu will not show the CIF of the joint account holder.
The Sanchay Post – Finacle Mapping PDF file also do not contain the CIF of the joint
holders. To get the CIF the joint holders use Modification Menu and Function – Inquire of
each scheme. Enter Account ID and click Go. Under Party Details 2 or 3 the CIF of joint
account holders can be found.
Scheme Name Modification Menu Scheme Name Modification Menu
SB CASBAM NSC/KVP CSCACM
MIS/TD CMISAM RD CRDACM
SCSS CSCAM PPF CPPFAM
 Note : PPF is a Single Account, so no joint holder exists.
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SECTION -4 VAULT TRANSACTION
4.1 About Vault Transactions –
 In Finacle, cash is handled through Vault Account.
 All Counter PA s are called Teller and each Teller is allotted Teller Cash Account.
 Before starting counter works in the morning, cash (as much required for transaction only)
must be transferred from Vault Account to Teller Account. After taking cash from treasurer
Counter PA will do the Vault transaction. On completion of Vault transaction one Transaction
ID will be generated. Note the transaction ID and amount in a blank sheet of paper. The
Supervisor in Double handed and above office will verify the transaction using the Transaction
ID. In case of Single handed office the Transaction ID will be verified by Supervisor user ID.
 For Vault transaction Vault Account ID and Teller Account ID will be needed.
 Both Vault & Teller Account IDs are Office Account.
 Vault Account ID is SOL ID, suffixed by 0406. So if the SOL ID of an office is 70001203, then
Vault Account ID of that office will be 700012030406.
 Teller Account ID can be obtained using the command HTCPIAE (Teller Cash Position Inquiry
Against Employee).
 Teller Account ID is usually SOL ID suffixed by 0501/0502/0503 etc.
 Using HTCPIAE command, how much cash the Teller is holding can be inquired at any moment.
 The Teller Account ID is fixed for a particular User. Teller ID of a user is changed only when the
user is transferred to a different SOL.
1. Menu: HTCPIAE – Click Go [ Fig 4.1] 2. Employee ID: Click the searcher button
3. Select the Employee code from the list. 4. Click Go. A new window will come. [Fig 4.2]
4. Teller A/c ID is shown as Cash A/c No. Column Today Position will be 0 Cr. in the morning.
Fig 4.1
Fig 4.2
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4.2 Debit (Dr.) and Credit (Cr.) Procedure in Vault & Teller Transaction –
 In case of Vault & Teller transaction Debit What comes in and Credit what goes out rules
of Double Entry System is applied.
 Whenever cash is received by the Teller either from Vault or from Customer, Teller
Account is Debited (Debit – What comes in). Again when Teller returns cash to Vault or
paid to Customer, Teller Account is Credited (Credit – What goes out).
 Similarly whenever cash is received by the Vault from Teller, Vault Account is Debited
(Debit – What comes in). Again when cash is given to Teller, Vault Account is Credited
(Credit - What goes out).
4.3 Procedure of Transferring cash from Vault to Teller –

 Before starting counter works when Teller is taking advance from the Treasury in the
morning, ensure that teller account is 0 using the Menu HTCPIAE before doing this
transaction. After the checking do the following -
VAULT TRANSACTION BY COUNTER PA (TELLER)

1. Menu: HTM – Click Go [Fig-1] 2. Function Code : Select A-Add
3. Transaction type: Cash transfer 4. Click Go Button below. A new screen will come [Fig-2]
In the new screen Debit radio button is selected by default.
5. A/c ID: Enter Teller Account ID and click outside. If Account ID is given wrong it will give an
error message “Account does not exist” in red colour. Correct the A/c ID and click outside.
6. Ref CCY/Amt : Enter Amount as much taken from treasury. 7. Click Add button
8. Select Credit radio button. [Fig 3] 9. A/c ID: Enter Vault Account No and click outside.
10. Click 3=3 Button to get the contra 11. Click Post button
amount.
Transaction ID will be generated. Note Down on blank sheet. [Fig 4]
The Procedure is shown below with Figure 1, 2, 3 & 4
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VAULT TRANSACTION VERIFICATION BY SUPERVISOR
1. Menu HTM - Click Go [Fig 5] . The Transaction Maintenance window opens.
2. Select Function Code – Verify 3. Enter Transaction ID – Click Go. Next screen will come.
4. Check both the records (1&2) and Click Submit button below. It will Show a message
“Transaction ID ……Verified successfully”.
5. After Verification use the Menu HTCPIAE, to check the amount is showing under Today
position column.
Note : This transaction has to be done every time, if a teller takes cash from the treasurer.
4.4 Transaction in Teller Account

 All Cash Receipt and payment done by Teller (Counter PA) are entered into Teller Cash
Account automatically.
 The List of Transaction done in Teller account can be seen using HACLINQ menu.
 A Teller wise report ( also called Shroff/Scroll Report) is also available at the end of the day
using the menu HSCWRPT.
 After Counter Hours each Teller (Counter PA) has to tally physical cash with his Teller
Account.
 After tallying cash Teller (Counter PA) will returns Physical cash in hand back to the
treasury and do the vault transaction again.
 After the transaction Super will verify the transaction and ensure that balance of each
Teller Account is Zero using the command HTCPIAE. [This is very important]
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4.5 Procedure of Transferring cash from Teller to Vault –
VAULT TRANSACTION BY COUNTER PA (TELLER)
1. Menu: HTM – Click Go 2. Function : A-Add
3. Transaction type: Cash transfer 4. Click Go Button below. A new screen will come [Fig 6]
In the new screen Debit radio button is selected by default.
5. A/c ID: Enter Vault Account ID and click outside. If Account ID is given wrong it will give an
error message “Account does not exists” in red colour. Correct the A/c ID and click outside.
6. Ref CCY/Amt: Enter Amount as much taken from treasury. 7. Click Add button
8. Select Credit radio button. [Fig 7] 9. A/c ID: Enter Teller Account No. and click outside.
10. Click 3=3 Button to get the 11. Click Post button
contra amount.
Transaction ID will be generated. Note Down on blank sheet.
Steps 1-4 is shown in Fig 1 above. Rest of the Procedure is shown below with
Figure 6 & 7.
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VERIFICATION OF VAULT TRANSACTION BY SUPERVISOR
1. Menu HTM - Click Go(Shown in Fig 5)
2. Select Function Code – Verify 3. Enter Transaction ID – Click Go
4. Check both the records(1&2) and Click Submit button below. It will Show a message
“Transaction ID ……Verified successfully”.
5. After Verification use the Menu HTCPIAE, to check the amount is showing 0 under Today
position column.
Note : This transaction has to be done every time, when Teller returns cash to the treasurer.
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SECTION -5 INVENTORY
5.1 About Inventory Movement
Cheque Book & Certificates are valuable items. In Finacle these are called Inventory items. HO
Supervisor will receive new cheque books from Postal Store Depot (PSD) and NSC/KVP Certificates
from Circle Stamp Depot (CSD). Sub Office Supervisor will receive both the items from Head Post
Office (HPO). HO/SO Supervisor has to put it in the Double lock safe and later on hand over to counter
assistants for issuing them to the customers. At the HO or SO Stock to be maintained in manual
register also as per rule. After Migration to CBS all the stocks have to be entered in Finacle.
In Finacle –
External Location Class is called ZZ and Location Code is called EXT.
Main Stock Location Class and Location Code both are called DL (Double Lock).
Employee Location Class is called EM and Location Code is Employee ID of the Counter PA.
Destroy Location Class and Location Code both are called DS.
 Movement of inventory will first happen from (PSD/CSD) to Head Post Office (HPO). This
will be maintained manually in a register.
 Head Post Office will move some of the inventory from ZZ-EXT (PSD/CSD) to DL-DL (Main
Stock of HO). HO will send rest of the stock to Sub offices manually through account bag
keeping a manual register.
 Sub office will also move the inventory from ZZ-EXT (Here HO) to DL-DL (Main Stock of SO)
when received from HO.
 HO/SO will move the stock from DL-DL (Double Lock) to EM-Employee ID (Counter PA)
when there is requirement.
 In the same way Stock can be reversed back to stock. That is from EM-Employee ID to DL-
DL and DL-DL to ZZ-EXT or DS (Destroyed location).
 At HO or SO where more than one Supervisor exists, Inventory items will be entered by
one Supervisor and will be authorised by another Supervisor.
 In Single/Double/Triple handed office where only one supervisor is there, Inventory items
will be entered and authorized by the same Supervisor.
5.2 Movement of Inventory from the External to Main stock (Double Lock) –
1. Menu: HIMC – Click Go [Fig 5.1] 2. Function – Add
3. Click Go. A new Window will come [Fig 5.2]
4. From Location Class : Enter ZZ 5. From Location Code: Enter EXT
6. To Location Class : Enter DL 7. To Location Code : Enter DL
8. Click Accept button, A new window will open. [Fig 5.3]
9. Enter Inventory Class/type: Click the Searcher. 10. Enter Alpha no if any otherwise skip.
Select Inventory code from the list. Click the Class.
11. Start No: Enter Start Serial No. of the item. 12. End No:Enter Last serial no. of the item.
13. Click Validate button- Quantity will be shown automatically. [Must after every entry made]
14. Click Submit button. Do not click on Add Button if there is no more item to be entered. If Add
button is pressed accidentally, one blank record will be added, and it will not allow to submit the
inventory with blank record. There is no way to delete any entered record. In that case whole
thing have to be reentered again. Click Add Button, if more entry has to be made (NSC/KVP etc.).
Here modification of any record is possible. [Fig 5.4]
15. Transaction ID will be generated. Note down in a blank sheet of paper. [Fig 5.5]
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Fig 5.1
Fig 5.2
Fig 5.3
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On clicking the Searcher of Inventory Class/Type (shown in Fig 5.3 – item no. 9) the following
Inventory Code List will come –
Fig 5.4
Fig 5.5
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5.3 Verification process by Supervisor –
5.3.1 At Single Handed Office [Where Supervisor himself is Authoriser]–
In an office where only one supervisor is there, the Supervisor himself will do the following after
entering the inventory item –
1. Menu: HIMC – Click Go [Fig 5.6] 2. Function – Verify

3. Enter Transaction ID generated during Inventory entry.
4. Click Go. New window will come, where the entire inventory entered will be shown.
5. Click Submit Button (Nothing to do). A message will come, Transaction ID…… Authorized
successfully. [Fig 5.7 & 5.8]
Fig 5.6
Fig 5.7
Fig 5.8
5.3.2 At Head Office or Sub Office where more than one Supervisor exists –
1. Menu: HIMC – Click Go 2. Function – Verify

3. Enter Transaction ID and click Go. 4. Click Authorizer details TAB [Fig 5.9]
5. Select radio button next to authorizer [Fig 5.10] 6. Click Authorize button.
7. Enter password of the custodian [Fig 5.11] 8. Click Login 9. Click submit
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Fig 5.9
Fig 5.10
Fig 5.11
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5.4 Movement of Inventory From Main stock (Double Lock) To Counter –
1. Menu: HIMC – Click Go [ Fig 5.12] 2. Function – Add
3. Click Go. A new Window will come [Fig 5.13]
4. From Location Class : Enter DL 5. From Location Code: Enter DL
6. To Location Class : Enter EM 7. To Location Code : Select Employee Code from Searcher
8. Click Accept button. A new window will open. [Fig 5.14 ]
9. Inventory Class/type: Click the Searcher. Inventory entered in the Double Lock will be shown
here. To select the Inventory item which is to be sent to counter, click the Inventory Class/Type
(e.g CHQ\CHQ, NS8\NC5000, KVN\K10T etc.) against the Inventory item.
10. Total Quantity available for the item in the Double lock will be shown in the quantity box. If
total quantity is to be transferred to counter, jump to Step 13. If total quantity is not required to
be transferred to counter, the figure shown in the quantity box has to be deleted first. [Fig 5.15]
11. Enter the End Serial no. in the End No. box.
12. Click Validate button- Number of items required to be transfer to counter will be shown
automatically in the quantity box.
13. Click Submit button. Do not click on Add Button if there is no more item to be entered. If Add
button is pressed accidentally, one blank record will be added, and system will not allow to submit
inventory with blank record. There is no way to delete any entered record. In that case whole
thing have to be cancelled and reentered again. Click Add Button, if more entry has to be made
(NSC/KVP etc.). Here modification of any record is possible.
14. Transaction ID will be generated. Note down in a blank sheet of paper.
Fig 5.12
Fig 5.13
36 | P a g e
Fig 5.14
Fig 5.15

Verification process is same as described when inventory moved from ZZ-EXT to DL-DL in
the section 5.3
5.6 If the Transaction ID could not be noted for any reason –
1. Menu: HIMI [Fig 5.16] 2. Select Inventory transaction status as “Entered but not Authorized”
3. Click Go button The Inventory ID will be shown. [ Fig 5.17]
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Fig 5.16
Fig 5.17
5.7 Splitting of Cheque Book –

Cheque Books given to counter must be split as it has been taken in a lot. Splitting can be
done by Supervisor. Here no need to verify the splitting.
1. Menu: HISIA – Click Go [Fig 5.18] 2. Function – Split

3. Location Code : Click the Searcher. Select the Employee code of the Counter PA, where the
cheque leaves has been given.
4. Inventory Class- Click searcher. Select CHQ from the list. 5. Click Go.
6. Select the entry by clicking CHQ/CHQ on left. [Fig 5.19] Another window appears. [Fig 5.20]
7. Start Sl No. and total quantity will show. 8. Total No of units: Enter total no. of cheque book.
9. Items per unit: Enter number of leaves in a cheque book.
10. Submit. A message will come “Inventory split is successful”.
Fig 5.18
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Fig 5.19
Fig 5.20
Fig 5.21
5.8 Merging of Cheque Book –

Merging of inventory refers to consolidation of inventory held in various small lots into a
bigger lot. This option is used to transfer the unutilised inventory held by an employee to double
lock custody. The user can merge the same and move the inventory as a single lot. Usually when
one user is transferred from one office to another, the splitted cheque books given to his/her
employee location, needs to be merged first to return it back to Double Lock (Main Stock). This
work may be done by the Super or the user. When new employee come do the following-
1. Menu: HIMIA – Click Go [Fig 5.22] 2. Function – M-MERGE

3. Location Code: Click Searcher. Select the 4. Enter Inventory Class, Select CHQ from
Employee Code of the person from the List. The Searcher.
inventory items (Splitted cheque Books) of this user
will be merged.
5. Click searcher of Start Alpha/Srl. No. box 6. Click on Begin Serial number of the
splitted cheque books (from which serial
number, merging is required) from the list.
7. Enter Quantity (Total No of leaves to be merge) 8. Click Go. A new window comes [Fig 5.23]
Details of merged inventories will be displayed. 9. Click Submit button.
A message will come “The selected inventory is merged successfully”
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Fig 5.22
Fig 5.23
Fig 5.24
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5.9 Return of Inventory to Double Lock (Main Stock) from Employee (Counter) –
If for any reason inventory given to a counter PA, has to be returned to the main stock
then following procedure has to be applied.
1. Menu: HIMC – Click Go 2. Function – Add

3. Click Go . A new Window will come [Fig 5.25]
4. From Location Class : Enter EM 5. From Location Code: Enter Employee Code
6. To Location Class : Enter DL 7. To Location Code : Enter DL
8. Click Accept button, A new window will open.
9. Enter Inventory Class/type: Click the Searcher. [Fig 5.26]
10. Click Inventory Class/Type searcher. From the list click the Inventory Class/Type (CHQ\CHQ,
NS8\N10000 etc.) which is to be return to main stock.
11. Click Validate button [Fig 5.27]
12. Click Add Button if more entry has to be made, (e.g. NSC/KVP etc.)
or
Click Submit if there is nothing to be entered. Do not click on Add Button if there are no more
items to be entered. Click Validate, then Submit button at end. If done accidentally you have to
cancel and reenter the whole thing again. There is no way to delete any entered blank record.
Only modification of any record is possible.
13. Transaction ID will be generated. Note down in a blank sheet of paper.
Fig 5.25
Fig 5.26
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Fig 5.27

Verification process is same as described when inventory moved from ZZ-EXT to DL-DL in
the section 5.3
5.11 Inquiry of Inventory –

Inquiry of inventory can be done for any location. From this inquiry Double Lock stock and
counter stock of every item or a particular item can be seen. Details of the stock is also available.
5.11.1 To see Particular counter and All or Particular inventory item-
1. Menu : HIIA and Click Go [Fig 5.28] 2. Location Code : Click searcher to select
Employee code of a particular counter PA
3. Inventory class : Do not select any inventory class, to see all the item or Click Searcher 4. Click
to select a particular Inventory class like CHQ, NSC, KVP etc. Go
5. In the new window, click View details button to see the details [See Fig 5.29 & 5.30]
Fig 5.28
Fig 5.29
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Fig 5.30
5.11.2 To see Double Lock Stock - All or Particular inventory item-
1. Menu : HIIA and Click Go [Fig 5.31]

2. Location Class : Delete the entry and Click searcher to select DL.
3. Location Code: Delete the entry and Click searcher to select DL.
4. Inventory class : Do nothing to see all the inventory item 5. Click Go
or
Click Searcher to select a particular Inventory class like CHQ, NSC, KVP etc.
6.Click View details button to see the details [Fig 5.32]
Fig 5.31
Fig 5.32
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SECTION -6 KYC & ACCOUNT OPENING FORM
6.1 About KYC & AOF

6.1.1 In case of new customer who has no accounts in Post office
To be given to customer:-
1) 1 – AOF (Account Opening Form).
2) 2 – KYC (Know Your Customer) forms ( 4 or 6 KYC forms in case 2nd and 3rd joint holder has
different address).
3) 1- SB-103 in case of SB/PPF/SSA account.
To be taken from customer:- [See Master Circular 14/2012]

1) 1- photocopy of Address proof ( Document list available in Finacle CIF creation page).
2) 1- photocopy of Identity Proof ( Document list available in Finacle CIF creation page).
3) 3- Copies of Photographs. (4 in case of BO and SCSS).
4) 1- Photocopy of Income proof (for High Risk category customer).
5) 1- Photocopy of Age proof (SCSS/SSA). If PAN is not given, it is required to take any other
approved document as age proof.
6) Filled up AOF and KYC forms. (Photo on KYC forms must be pasted and not stapled.
Signature of the customer must be inside the signature box. No part of the signature
should be on the border of the box).
7) Filled up SB-103 in case of SB/PPF/SSA account. Minimum amount Rs.20/- in case of SB
General Account. Minimum amount Rs 500/- in case of Cheque account or ATM card
issued.
Disposal of Photo:-
1) One copy to be pasted on AOF.
2) Two copy to be pasted on two KYC forms.
3) One copy to be pasted on SS (Specimen Signature) Book in case of BO.
4) One copy to be pasted on Passbook of SCSS A/c only.
Disposal of Documents :-
1) AOF – Original copy Kept at Post office only.
2) One copy of original KYC – kept at PO.
3) One copy of original KYC to be sent to CPC for scanning. While sending this KYC forms do
not staple it with other forms.
4) Photocopy of Address proof and identity proof to be kept at Post office only along with
AOF. Do not send any copy of these documents to CPC.
 After taking AOF, CIF(Customer Information File/Customer Identification File) of the
customer has to be created.
 During CIF creation, Address Proof and ID proof must be entered.
 CIF creation must be verified by Supervisor.
 After verification of CIF, Account of the respective scheme will be opened.
 Opening of A/c will be verified by super.
 In case of SB/PPF/SAA Account minimum cash deposit (as applicable) transaction has
to be done.
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6.1.2 Modification of existing customer
Non Financial transaction like modification in Account or CIF can be made only the office
where account stands and it should be supported by documentary proof. In case of change in
name or photograph or address, fresh KYC Form (in duplicate) has to be obtained with documents
and one copy of KYC Form has to be sent to CPC for scanning of fresh photograph or signature.
Please ensure that all Financial or Non Financial Transactions should be verified by
Supervisor/SPM at the same office when initiated by PA. – [SB Order - 7/2015, Annexure,
Scenario-11]
To be given to customer:-
1) KYC form – 2 (4 or 6 in case joint holders have different address)
To be taken from customer:-

1) 2 (4 to 6 in case of joint holders have different address)-Filled up KYC form with pasted
photograph and signature. ( Photo must not be stapled)
2) Address proof and Identity proof – One photocopy (to be kept at post office only).
Disposal of KYC & Documents:-
1) One copy of original KYC to be kept at Post office.
2) One copy of original KYC to be sent to CPC for scanning.
3) Photocopy of documents to be kept at Post office only. Do not send photocopy of address
proof and ID proof to CPC.
Note:
 Same document can not be used as Identity proof and address proof. Finacle will not
allow you to do so.
 KYC Documents (Address Proof/ID proof/Age Proof etc.) must be checked with the
original documents.
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6.2 Sample Account opening form
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6.3 Sample KYC Form
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SECTION -7 CIF (CUSTOMER INFORMATION FILE)
7.1 About CIF
An individual walks into the Post Office and requests to open an account. Counter
Assistant, will check whether he/she is an existing customer or not. If he/she is not an existing
customer, Counter Assistance will create a CIF (Customer Information File) as a prerequisite to
open an account. During migration from Sanchaya Post to Finacle, system will automatically
create CIF of the existing account. For each existing account like SB, RD, MIS, TD, SCSS, PPF, NSS
one CIF ID and one Account number will be generated by the system. For certificates (NSC/KVP)
for each Registration number one CIF ID will be created and for each certificate one account no
will be generated automatically. For example under Registration no 1102 there are 10 certificates
of different denomination. Here One CIF will be generated and for 10 certificates 10 different
account numbers (not in sequential order) will be generated.
 Customer information/Identification file (CIF) is a unique record of every customer stored in
system.
 Every individual needs to have CIF ID to open an account. A customer may have many
accounts, but can only have one CIF ID which represents a unique identifiable record for that
customer.
7.2 To check whether the customer is an existing customer

or searching a CIF of a customer –
When any CIF is created in a CBS post offices, that CIF can be found using the following
procedure in any CBS post office.
1. Menu: CDEDUP - Click Go [Fig 7.1] Search by the 10 criteria (*Last name mandatory)
2. Click Proceed. *Criteria => Filters
For example one customer has filled up and submitted AOF, KYC etc. in a post office.
Before creating CIF, counter PA may check using the 10 criteria (filters) whether the customer has
any existing CIF. First enter First name & Last name only to search. If a lot of entries are found
with the same name, then enter Postal code, PAN Number, Date of Birth, Preferred Phone No.
filters to check the existing customer. The CIF of a customer which has been created in Finacle or
modified in Finacle with latest information (Postal code, PAN Number, Date of Birth, Preferred
Phone No. etc) will be shown. You may also have to search writing full name of the customer in
the Last Name box because in migrated CIF the full name of the customer is automatically
inserted in this box or some operators have the habit of writing full name in the Last name box.
Fig 7.1 Use More filters for more refined search
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Here in the following example only Last name BASU is used
Fig 7.2
7.3 New CIF Creation – Red * marked fields are mandatory
1. Menu: CCRC – Click Go button [Fig 7.3] 2. *Function : Select Add – Click Go button
Fig 7.3
3. *Title: Click Searcher. Select from the list (MR/MRS/MS etc.). [Fig 7.4]
4. Enter First name 5. Enter Middle name (if any)
6. *Enter Last name ( if there is no last name enter first name in the last name field)
7. *Enter Fathers/Husband name: Full name has to be given. No need to write “Late” etc.
8. Tax status: Select No PAN Card/PAN card available. If PAN card available option is selected a
message will come “Pan card number is mandatory if Pan card is available”- Click Ok. Enter PAN
number in the PAN Card No. field.
9. *Enter Date of birth and click outside. Date of birth can be given in any valid date format, but
In case of Minor, enter the DOB in DD-MM-YYYY format, otherwise it may not work.
10. In case of Minor, “Yes” flag will be selected automatically on entering DOB. If Minor is under
10 years of age, provide Guardian CIF (Guardian CIF has to be created first). If The Minor attained
10 years and want to operate the account himself/herself then enter Guardian CIF as 300668762
(Dummy Guardian created centrally). See Note 3 for details.
11. *Select Gender (Male/Female/Others) option. 12.* KYC Status: S-Document Submitted to
be selected.
13. Enter Income (if not mentioned in AOF, enter 0) 14. Select Income type: Monthly/Annually
15. *Enter Occupation type: Salaried/Business/Self Employed etc.[ select others if not mentioned in
Account Opening Form(AOF)]
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Fig 7.4
16. *Enter Document details 1- [Fig 7.5]

17.*Document type: Click searcher. Select ADPRF from the list.
18. *Document code: Click searcher. List of documents will come, select from the list.
(ADHAR/CERTI/EBILL/PASBK/PSPT/RTNCD/VOTID etc.)
19. *Enter Unique ID of the Document. In case of Aadhar UID authenticated as “Yes”
Click Expand button.
20. Enter *Document details 2-
21.*Document type: Click searcher. Select IDPRF from the list.
[other options available AGPRF/CRFRM/INPRF/WAIVE]
22. *Document code: Click searcher. List of documents will come, select from the list. If PAN no
is given earlier, Select PANCD. PAN no will be populated automatically.
23. * Preferred Flag click “Yes” option button.
24. *Address details 1- first Enter Address Line 1. Click outside. Then enter Pin. Click Outside.
City, State, Address valid from, Country etc. will be populated automatically. Then enter Address
line 2, 3 if any.
25. Select Phone Type as Mobile. Phone No.: Enter mobile No. of the customer. Customer will
get SMS on transaction if mobile is provided here.
26. *Tax Deducted at Source Table code : Select NOTAX /NOPAN/TDSNR as applicable.
 If PAN is not submitted, select NOPAN.
 If PAN is submitted select TDSNR.
 Select NOTAX only as when required in some a particular cases.
27. *Primary Relationship Manager: Select from searcher 28. Click Submit/F10
CIFRM [ if Name of PRM is not available for a circle/region/divn]
On submission system will show a 9 digit CIF Number. Note down the CIF number in AOF
If after submit a message shows “Enter the field”, that means the field is a mandatory and it has
not been entered by mistake. Click OK. Cursor will automatically move to that field. Enter proper
information in that field and click Submit.
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Fig 7.5
**Note1 : Note down the CIF immediately. There is no way, right now, to recover the CIF if you
forgot to note it. You have to reopen the CIF in that case.
** Note2 : For SSA create a CIF in the name of Girl Child also. Aadhar, PAN, Passport may be
taken as age proof other than birth certificate. [SB order 11/2015]
** Note 3 : Guardian CIF ID 300668762 has been created centrally with dummy data. When this
CIF ID is entered, system will show following details :-
 Last Name / Short Name - GUARDIAN
 DOB - 01/07/1960
 Document type - ADPRF with unique id 3dec2014email.
 Document code -PSBID
 Nationality- Indian
 Tax deducted at source as - NOTAX
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7.4 CIF Verification Process - By Super
1. Menu: CCRC - Click Go 2. Function : Verify – Click Go 3. Enter the CIF ID.
Click Submit, if everything is entered properly Click Cancel if there is anything wrong - click OK
7.5 On verification if Supervisor found a mistake—

Supervisor has to cancel the verification process by clicking the Cancel button instead of
Submit. Follow the below described points to rectify the error.
4. CIF Rejection – Done by Super

1. Menu: CCRC - Click Go 2. Function : Rejection 3. Enter the CIF ID Click Go
4. Enter Rejection reason (may be found near Risk category ) 5. Click Submit
5. CIF Modification (Before verification) – Done by the same PA who has created the CIF ID
1. Menu: CCRC - Click Go 2. Function : Modification 3. Enter the CIF ID – Click Go
4. Modification done by PA 5. Click Submit
6. CIF Verification – Verify the CIF by Super modified by PA
1. Menu: CCRC - Click Go 2. Function : Verify 3. Enter the CIF ID – Click Go
4. Click Submit, if everything is entered properly.
7.6 Process of modification of CIF (Modification of existing CIF or migrated CIF)

- Done by Counter PA
 Preferably CIF of SB Account to be taken for modification.

 All the information like PAN, Fathers name/Husband name, Date of Birth, Gender, KYC
status, Document details 1 (Address Proof), Document details 2(Identity Proof), address if
not correct, mobile number, TDS Table code or any other fields needs to be modified.
 After Modification CIF must be verified by supervisor.
 This CIF has to be given to the Customer for further investment purpose.
1. Menu: CMRC - Click Go 2. Function : Modification 3. Enter the CIF ID – Click Go

New screen will come. Modify the following fields described & shown in figure.
1. Title: Default came MR/MS. Change it to 2. Date of birth: Change from “01-07-1960” to
MR or MRS or MS. [Fig 7.6] proper date available in the document.
3. Gender: Default others is selected. Select 4. KYC Status: “Document Submitted” to be
Male or Female. selected.
5. Fathers/Hasband name: Enter the name 6. Document details 2 : Select Document
given in KYC form. type(ADPRF), Document code from searcher and
enter Unique ID. If Aadhaar then click UID
authenticated “Yes” also. [Fig 7.7]
7. Document details 3 : Select Document Preferred Flag : Make any one of the documents
type(IDPRF), Document code from searcher status “Yes” .
and enter Unique ID. If Aadhaar then click
UID authenticated “Yes” also. If PAN select
PANCD.
8. Address details 1 : Enter Address Details 9. Phone Type : Select Mobile
[Fig 7.8]
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10. Phone no: Enter Mobile Phone no. only 11. Tax Deducted at Source Table Code: Select
NOTAX/NOPAN/TDSNR as applicable. [Fig 7.9]
12. Tax Status: “PAN card available” if PAN 13. PAN No: Enter PAN Number.
submitted, otherwise left as it is.
14. Click Submit button after doing the proper modification.
Fig 7.6
Fig 7.7
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Fig 7.8
Fig 7.9
7.7 Verification Process After Modification - By Supervisor

1. Menu: CMRC - Click Go 2. Function : Verification
3. Enter the CIF ID – Click Go 4. Submit
7.8 Situations – When CIF has to be Modified –

1. On Death – Procedure shown below in Section 7.9
2. Minor became Major – Take fresh KYC Docs & Minor flag changed to “No”.
3. Name Change - Procedure shown in Section 7.13
4. Address change – Procedure shown in Section 7.6
5. Addition of PAN– Procedure shown in Section 7.6
6. Addition or Modification of Mobile Number – Procedure shown in Section 7.6
7. Net Banking or Mobile Banking Status – Enable Net Banking/Mobile Banking
status – “Yes”
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7.9 Modification of CIF in case of Death/Death Marking –
1. Menu: CMRC – Click Go [Fig 7.10] 2. Function – Modify 3. Enter CIF ID – Click Go
4. Customer Status: Deceased 5. Enter Date of Death 6. Submit
Super has to verify using same menu CMRC, Function verify, Enter CIF, Go, Submit.
Fig 7.10
7.10 Changing The CIF ID of Main(first) Account Holder on account of Death or

Account transfer –
1. Menu: HCCA - Click Go [Fig 7.11] 2. Function : Modify
3. A/c ID :Enter the A/c ID on which action needed 4. Click Go. New window opens.
5. New CIF ID: Enter the CIF ID under which A/c is to be transferred [Fig 7.12]
6. Modify A/c Name : Select Yes [“Yes” to be selected in case of Death and Certificate Transfer]
7. Reason code: Select D in case of death claim or 8. Click Submit
Select T in case of Certificate Transfer
Fig 7.11
Fig 7.12
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Fig 7.13
7.11 Verification of Merger – Menu HCCA Function Verify, Enter A/c ID, Go, Submit.
Fig 7.14
Fig 7.15
Fig 7.16
7.12 Merger of CIF ( in case more than one CIF exits of a customer)
1. Menu: HCCA - Click Go 2. Function : Modification 3. A/c ID :Enter the A/c ID on which
action needed – Click Go
4. New CIF ID: Enter the CIF ID under which A/c is to be 5. Modify A/c Name : No
transferred
6. Reason code: Select C for CIF Duplicate Transfer. 7. Click Submit
Super to verify with the same menu HCCA [See Fig 7.11 to 7.16 for reference]
7.13 Inquire the accounts opened under one CIF ID

1. Menu: HCRV - Click Go [Fig 7.17] 2. Click Accounts TAB to open Accounts page. [Fig 7.18]
3. Enter the CIF ID and Click Go
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Fig 7.17
Fig 7.18
7.14 Name Change in CIF & Account Number –

Name of CIF can be changed. But it will not get effected in Account Level as this CIF is
already been linked. For changing the name in all the accounts also, following steps have to be
done-
1. Modification of Name at CIF Level- Menu CMRC
2. Verification of CIF – Menu CMRC
3. Modification of Account Name at Account Level – Menu HAALM
4. Verification of Account Name change – Menu HAALM
Every account under the CIF has to be changed using the menu HAALM.
7.14.1 Name change in CIF level –
1. Menu CMRC. Click Go [Fig 7.19 & 7.20] 2. Function : Modify
3.CIF ID : Enter the CIF ID for which name has to be changed 4. Click Go
5. Do the required changes in name. 6. Submit
7. Verification to be done using the same Menu CMRC, Function- Verify, Enter CIF ID, Go, after
checking, click Submit.
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Fig 7.19
Fig 7.20
7.14.2 Name change in Account level –
1. Menu : HAALM , Click Go [Fig 7.21] 2. Function : Modify

3. A/c ID : Enter A/c no in which name change required
4. Click Go. New window opens. [Fig 7.22]
5. A/c Name: Enter the proper name of the account here 6. A/c Short Name: Enter as required
7. Click Submit 8. An EXCEPTION will be shown, click Accept button. [Fig 7.23]
A message will come “ A/c ID ………….Modified successfully.” [Fig 7.24]
9. Verify with Super, same Menu HAALM, Function Verify, Enter A/c ID, Submit in the next
screen, An EXCEPTION will come. Click Accept.
Fig 7.21
Fig 7.22
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Fig 7.23
Fig 7.24
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SECTION -8 SAVINGS BANK ACCOUNT(SB)
8.1 About Post Office Savings Bank Account (SB Account) –

 Interest payable Rate is 4% per Annum.
 Minimum Amount for opening A/c is Rs. 20/- and No maximum balance limit is there.
 Account can be opened by cash only.
 Minimum balance to be maintained in a non-cheque facility account is INR 50/-.
 For Cheque/ATM facility account is to be opened with INR 500/- and for this purpose
minimum balance of INR 500/- in an account is to be maintained.
 Cheque facility can be taken in an existing account also. In that case also Minimum balance
to be maintained INR 500/-.
 Interest earned is Tax Free up to INR 10,000/- per year from financial year 2012-13.
 Nomination facility is available at the time of opening and also after opening of account.
 Account can be transferred from one post office to another.
 One Single account & One Joint Account can be opened by a customer in one post office.
 Account can be opened in the name of minor and a minor of 10 years and above age can
open and operate the account individually.
 Joint account can be opened by two or three adults.
 At least one transaction of deposit or withdrawal in three financial years is necessary to
keep the account active.
 Single account can be converted into Joint and Vice Versa.
 Minor after attaining majority has to apply for conversion of the account in his name.
 Deposits and withdrawals can be done through any electronic mode in CBS Post offices.
 Inter Post office transactions can be done between CBS post offices. This type of
transaction is called Intersol transaction in CBS.
 ATM/Debit Cards can be issued to Savings Account holders (having prescribed minimum
balance on the day of issue of card) of CBS Post offices.
8.2 Opening of SB Account

* All the mandatory fields must be entered. Mandatory fields are marked as red asterisk (*)
1. Menu: CASBAO – Click Go 2. Function : O-Open (Default) 3.* Enter the CIF ID
4. *Select the Scheme code from searcher which is applicable— All the data of the customer
SBCHQ/SBGEN etc. - Click Go. A message will come “Please check as per the CIF ID will get
the Risk Category of the customer for KYC purpose”, Click OK. populated.
5. Select *The mode of operation – Enter 012(Single)/016(Joint A)/ 017(Joint B) etc. as applicable.
Searcher can be used to select also.
6. *Number of documents received – Enter 1 ( as only AOF has been submitted by customer)
If the account is opened at BO, Change the Account open date (BO A/c open date) if required and
select Branch office name/code from searcher.
7. * Document code: Enter 016 8. *Enter Document Date (Press Ctrl+X for current date)
Enter *Document details 1 only as you have entered 1 in the document received box. Do not
enter Document details 2 although red * marked is there.
9.* Scan details : Select Scan Not Required 10.*Document Status: Select Document submitted
11. In Finacle, Joint holders are named as Party Details. Enter *Party details 2, 3 etc. If the mode
of operation is 016/017 (joint account).
i) Enter CIF ID and click outside. Details of joint holder will come automatically
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ii) Relationship type : Select Joint Holder iii) Relationship code: Select from searcher
001(Father)/004(Mother)/005(Son)/006(Daughter)/017(Wife)/018(Husband) etc.
12. Nomination: Select Yes if there is nominee, Nomination Number will be generated. Note
down the Nomination number on the AOF immediately in red ink.
13. Give Nominee details –If Nominee has a CIF, enter the CIF. Otherwise First enter Name, then
Postal code and click outside. City and State fields will be auto populated. Select from Searcher
Relationship, Country (IN/INDIA). Enter Address, Nominee Pct (100 in case of single nominee. In
case of more than one nominee, percentage of nominee to be distributed as per requirement of
the customer). Up to 6 nominees can be given. In case nominee is minor provide DOB of nominee
and also provide the Guardian details.
14. Submit A/c ID will be generated, note it on AOF in Red Ink. [Fig 8.5]
Zero(“0”) Balance account will be opened.
Note: Any Account Number(SB/TD/RD/MIS/SCSS/NSC etc.) generated in finacle is 10 digit number.
Fig 8.1
Fig 8.2
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Fig 8.3
Fig 8.4
Fig 8.5
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8.3 Verification of SB Account(By Supervisor) –
1. Menu: CASBAV – Click Go [Fig 8.6] 2. Function : V-Verify 3. Enter the A/C ID
4. Submit if everything is made correct. Cancel it if anything wrong. But super don’t have to reject.
Fig 8.6
8.4 Modification before verification [by same operator] –

1. Menu: CASBAOM – Click Go 2. Function : M-Modify 3. Enter Account ID – Click Go
4. Modify the required field. [some fields may not be modified] 5. Click Submit
8.5 Modification of existing SB Account –

1. Menu: CASBAM – Click Go 2. Function : M-Modify 3. Enter Account ID – Click Go
 Major Modifications:
 Mode of operation - Single to joint account and vice versa
 Nomination - Addition, Modification
 Account status - Silent to active
 15G/15H submitted - Status to “Yes” etc.
5. Click Submit Verification by a Supervisor menu CASBAM. Function - Verify
8.6 To make Silent A/c Active –

1. Menu CASBAM- Click Go. 2. Function – Modify.
3. Account status: Click “Live” Option. [Fig 8.7]
4. Click Submit. 5. Verify the account using same menu CASBAM.
Fig 8.7
8.7 To change Scheme of SB A/c –

 Scheme of SB account can only be changed.
 Transfer of SB accounts is possible only between schemes of the same product group.
When Target scheme code belongs to a different product group compared to the Source
scheme code, then error “Scheme Mismatch-Account can’t be transferred” is faced.
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 The valid transfer scenarios are-
Product Group SBSGP : SBGEN SBCHQ
Product Group SPNGP : SBPEN SBPWC
Product Group SANPG : SBSAN SBSWC
Procedure-
1. Menu: HACXFRSC – Click Go. [Fig 8.8] 2. Function : Select T-Transfer and Click Go
3. Enter SB A/c No [of Source scheme] and click outside. Details of current scheme will come.
4. Click the searcher of Target Scheme code and click Submit button in the following screen.
5. Select Target Scheme [e.g. SBCHQ] 6. Click Submit Instruction no will be generated.
7. Super to Verify the Instruction no 8. After verification use Menu HPR to print the report
Verification procedure is shown by Figure 8.10 & 8.11
Fig 8.8
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Fig 8.9
Fig 8.10
TRANSACTIONS - Cash Deposit
Fig 8.11
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8.8 Issue of Cheque Book –
1. Menu: HICHB – Click Go [Fig 8.12] 2. Function – Issue
3. Acknowledgement radio button – Select “Yes” 4. A/C Id: Enter SB Account ID in which
option. Cheque book to be issued.
5. Cheque Type: Select from searcher as CHQ 6. Click Go. New window is opened. [Fig 8.13]
7. A list of cheque book will show. Select the 8. Click Submit. A message will come
check box at left to select the Cheque book to be “Cheque book issued successfully to A/c ID”
issued. The Cheque book should be issued serially [Fig 8.14]
Fig 8.12
Fig 8.13
Fig 8.14
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8.8 Issue of Cheque Book Verification–
Menu : HICHB and Click Go button [Fig 8.15] 1. Function : Select Verify
2. A/c ID : Enter the SB Account no. 3. Click Go. New window opens. [Fig 8.16]
5. In the next screen click Submit. A message will come “verified successfully” [Fig 8.17]
Fig 8.15
Fig 8.16
Fig 8.17
8.9 Cheque Book Inquiry –

1. Menu: HCHBI – Click Go [Fig 8.18] 2. A/c ID: Enter SB A/c no 3.Click Go [Fig 8.19]
4. Click View details. [Fig 8.20]
Fig 8.18
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Fig 8.19
Fig 8.20
8.10 To find an Account number by a Cheque Number –
1. Menu HINQACHQ – Click Go [Fig 8.21] 2. Enter Cheque No. 3.Click Go
In the next screen A/c ID will show along with A/c Holders name. [Fig 8.22]
Fig 8.21
Fig 8.22
8.11 SB Transactions –
8.11.1 SB Cash Deposit By Counter PA –
1.Menu: CTM – Click Go [Fig 8.23] 2. Function : A-Add 3. Function type: Select deposit
4. Click Go. A new window will come. [Fig 8.24] 5. A/c ID: Enter SB A/c No. and click outside.
SOL and A/c holders name will show. 6. Amt: Enter the amount written in SB-103.
7. Click Post button [any deposits irrespective of amount will be in Posted stage]
8. Tran ID will be generated. [Fig 8.25] Note the Transaction ID on SB-103 in Red ink immediately.
Note: In case of deposit amount is Rs. 50000/- and more and PAN no is not given previously in
CIF, it will ask for PAN No. Ask the customer to submit photocopy of PAN. Change the CIF using
CMRC menu for adding the PAN Number in CIF and verify it by super. If it is not done,
responsibility goes to Counter PA. The counter PA may enter the PAN no in Remarks column to
complete the transaction also, but inclusion of PAN in CIF must be done immediately.
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Fig 8.23
Fig 8.24
Fig 8.25
8.11.2 Verification of Cash Deposit by Super –
1. Menu: CTM – Click Go [Fig 8.26] 2. Function : V-Verify 3. Enter transaction ID

4. Click Go. Next screen will come. [Fig 8.27] 5. Click Submit after checking.
Fig 8.26
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Fig 8.27
8.11.3 SB Cash Withdrawal by Counter PA –

1. Menu: CTM – Click Go. [Fig 8.28] 2. Function : A-Add
3. Function type: Select Withdraw 4. Click Go. A new window comes. [Fig 8.29]
5. A/c ID: Enter SB A/c No. and click outside. Name of the A/c holder & SOL will show.
6. Click Signature view button/F9 Function Key to view signature. Click Red & white button to
view details of the account if required. A/c holder’s name and Balance will be shown. Always
check effective available Balance only before make any payment.
7. Amt: Enter Amount to be withdrawn. 8. Click Post button.
9. Transaction ID will be generated. Note down on SB-7 voucher.
Fig 8.28
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Fig 8.29
8.11.4 SB Cheque Withdrawal by Counter PA –

1. Menu: CTM – Click Go 2. Function : A-Add 3. Function type: Select Withdraw
4. Click Go. A new window will come. [Fig 8.30]
5. A/c ID: Enter SB A/c No and click outside. Name of the originating SOL of the A/c and account
holder’s name will show.
6. Check Balance & Signature. 7. Amt : Enter Amount 8. Mode of Transaction: Cheque
9. Cheque Date: Select from date Picker or enter the cheque date.
10. Enter Cheque Number. It will not come automatically. Alpha Number of Cheque is not
required.
11. Click Post button Transaction ID will be generated. Note down.
Fig 8.30
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8.11.5 Verification of Cash/Cheque Withdrawal by Super –
1. Menu: CTM – Click Go 2. Function : V-Verify 3. Enter transaction ID

4. Click Go. Next screen will come. 5. Click Submit after checking.
Note 1 : All withdrawal up to Rs. 5000/- will be in verified stage automatically and withdrawal
over Rs 5000/- (5001/- and above) will be in Entered stage and has to be verified before making
payment to customer. Transaction stage can be Checked by CTM/HTM menu and Function –
Inquire. You will require Transaction ID. Transactions which are in Entered stage can be deleted
using menu HTM.
Note 2 : If Withdrawal Slip is selected in case of a cheque account then an Error will be shown
during Super verification.
Note 3 : Transaction ID if not found due to any reason may be obtained using HFTI Menu, in case
of transactions which are in Entered/Verified/Posted stage. Transactions which are in
Verified/Posted satge may be obtained using HACLI Menu.
Note 4 : Always Check Effective Available Balance before withdrawal.
8.12 Transaction Ledger Inquiry –
1. Menu: HACLI, Click Go [Fig 8.31] 2. A/c ID: Enter Account ID
3. Change the From date if transaction from previous date required. 4. Click Go [Fig 8.32]
Fig 8.31
Fig 8.32
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8.13 Transfer Transactions (customer induced) –
A customer wants to transfer some amount from his account to another account. For this
purpose one withdrawal and one deposit slip must be filled up. Check Dr. Balance before
transaction.
1.Menu: CXFER – Click Go [Fig 8.33] 2. Function : A-Add
3. Function type: Transfer(default) – Click Go. New window will open. [Fig 8.34]
4. Enter Dr. A/c ID: 5. Enter Cr. A/c ID: 6. Amt: Enter Amount to be transferred.
7. Select Transfer slip (Default) 8. Click Post button 9. Note Tran ID on both vouchers.
Super to verify the Transaction with the same menu CXFER. Function - Verify .
Fig 8.33
Fig 8.34
8.14 Rectification of wrong Transaction Amount X (e.g. Rs 50000) posted instead of

Amount Y (e.g. Rs 5000) or posting done in wrong account number
Withdrawal of the wrong deposit made
1. Menu: CTM – Click Go 2. Function : A-Add 3. Function type: Select Withdraw – Click Go
4. A/c ID: Enter SB A/c No. where wrong amount posted and click outside. [Fig 8.35]
5. Enter Amount: whole of the amount (e.g. 50000) in case of wrong amount posted
6. Transaction particulars: Enter “Reversal - Wrong cash Deposit” [This is very important]
7. Click Post. Note down the transaction ID on the SB-7 made by the office itself if customer not
available. If customer is not available, make an entry in the error book.
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Fig 8.35
Deposit correct amount or in the correct account no.
1. Normal Deposit procedure with correct amount or in the correct account number using CTM
2. Note down new transaction id on the SB-103 made by the office itself.
8.15 Print Passbook –

8.15.1 New Passbook Print –
1. Menu: HPBP – Click Go [Fig 8.36]

2. Enter the A/C ID. Click outside. A/c Holders name and originating SOL of the A/c will show.
3. Click Print button.
4. First page of the Passbook will flash. Then Print window will open. Again Click Print button
inside the Print window, to print first page of the passbook. [Fig 8.37]
5. A message Print OK will come – Click “Yes” if Print is done correctly. Click “No” if Print is not
done correctly. [Fig 8.38] Print can be done again if “No” option is selected.
After printing of first page, print transaction pages.
Repeat the step 1 to 5 to print the transaction page/pages. [Fig 8.39]
Fig 8.36
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Fig 8.37
Fig 8.38
Fig 8.39
8.15.2 New Continuation Passbook Issue –

1. Menu: HPBP – Click Go [Fig 8.40] 2. Enter the A/C ID. Click outside.
3. Click Modify button.
4. New Passbook : Click “Yes” option 5. Click Print button
6. Print first page then print transaction pages if any. Procedure explained above.
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Fig 8.40
8.15.3 Duplicate Passbook Issue –
1. Menu: HPBP – Click Go [Fig 8.40.1] 2. Enter the A/C ID. Click outside
3. Click Modify button.
4. New Passbook: Click “Yes” option 5. Duplicate Passbook Printed: Click “Yes” option
6. Click Print button
7. Print first page then print transaction pages if any. Procedure explained above.
Fig 8.40.1
8.15.4 Passbook Reset –

At the time of Duplicate passbook issue, if the customer wants to print the transaction
from a mentioned previous date, then Passbook reset has to be done before printing of Duplicate
passbook. For any other reason when back dated pages print of passbook required this menu is
required.
1. Menu HPBPR, Click Go. [Fig 8.41] 2. Function : RESET
3. A/c ID : Enter the A/c ID 4. From Date: Enter the date from which Transactions are required
to be print in the passbook.
5. Click Accept. A new window will open. [Fig 8.42]
6. Click the Check Box against the transaction from which print required.
7. Click Submit. A message will come “A/c ID ………….reset successfully”. [Fig 8.43]
Verification by Super-
1. Menu HPBPR [Fig 8.44] 2. Function : VERIFY
3. A/c ID : Enter A/c ID 4. Click Accept. A new window will come.[Fig 8.45] 5. Click Submit.
A message will come “A/c ID ………….verified successfully”. [Fig 8.46]
After the reset, print the Passbook using the menu HPBP. Procedure same as described in Section
8.15.3 in case of duplicate passbook. If it is not the case of duplicate PB, then follow procedure of
normal PB print described in section 8.15.1.
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Fig 8.41
Fig 8.42
Fig 8.43
Fig 8.44
Fig 8.45
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Fig 8.46
Note: While printing old passbook in Finacle, all the old transactions of Sanchya Post (before
migration) will come. Just click print and then in the print window click cancel. Print Ok-Yes. Do
this until Transactions of Finacle page show. Old transactions will have Migration date.
8.16 Branch office SB Deposit

1. Menu: CXFER – Click Go. [Fig 8.47] 2. Function : A-Add
Function type: Transfer(default) come
3. Transaction type/subtype: Select T/BI-Bank Induced. [Important factor]
4. Click Go. A new window opens. [Fig 8.48]
5. Enter Dr. A/c ID: Branch settlement account number of the SOL (SOLID0339)
6. Enter Cr. A/c ID: Customer SB account No. 7. Amt : Enter the amount
8. Transaction particulars: Enter “BY CASH DEPOSIT- BO name” by removing the word “BY
TRANSFER”
9. Value date: BO transaction date. [ Be cautious about the transaction date, only current date is
shown here, it has to be changed to BO transaction date, if required]
10. Click Post button 11.Note Transaction ID on voucher.
12. After verification by super with same menu CXFER, transaction will appear in LOT and
Consolidation.
Fig 8.47
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Fig 8.48
8.17 Branch office SB Withdrawal –
[Use HACLI to see the balance before withdrawal at AO]
1. Menu: CXFER – Click Go. [Fig 8.49] 2. Function : A-Add
Function type: Transfer(default) come
3. Transaction type/subtype: Select T/BI-Bank Induced. [Important factor]
4. Click Go. A new window opens. [Fig 8.50]
5. Enter Dr. A/c ID: Customer SB account No.
6. Enter Cr. A/c ID: Branch settlement account number (SOLID0339) 7. Amt : Enter Amount
8. Transaction particulars: Enter “BY CASH WITHDRAWAL-BO Name” by removing the word “BY
TRANSFER”.
9. Value date: BO transaction date. [ Be cautious about the transaction date, only current date is
shown here, change it to BO transaction date]
10. Click Post button. 11. Note Transaction ID on Voucher.
12. After verification by super transaction will appear in LOT and Consolidation.
Fig 8.49
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Fig 8.50
8.18 SB Account closer (HO or SO Account)-

o No Trial Closer is possible in SB Account.
o Before closing SB account the following should be checked-
1. There is no Float Balance, Unclear balance etc. – Check using the Menu HACCBAL/HACLI.
If exists, first clear the cheque and these balances are zero, then the SB a/c can be closed.
2. No Lien is marked. - Check using the Menu HACCBAL. If Lien is there check the reason. For
revoking the Lien use the menu HALM.
3. No transaction verification is pending for the account. Menu HFTI – Enter A/c ID of SB for
pending transaction verification inquiry. If found use the Menu HTM/CTM to verify.
4. No modification is pending for the SB account or the CIF of the SB account. Menu HAFI-
Enter A/c ID of SB for pending verification inquiry. If any pending use the menu CASBAM to
verify it. Use Menu CMRC for CIF Verification pending issue.
5. Account is not freezed. If freeze Check why the a/c is freezed - if by any court order etc.
Account can not be unfreezed and closed. Unfreez it using the Menu HAFSM.
6. Account is not silent (dormant). Check using Menu HACLI, Status “Active”. Use Menu
CASBAM, make it active, verify it.
7. No standing instruction is linked. If linked, at the time of closer it will show the SI Serial
no. Note the numbers. Delink it using the menu HSSIM. Use function Delete to delete the
SI.
8. No Interest credit linked to this account. If linked, at the time of closer it will show the
linked account numbers. Note it. Use the Modification menu of the scheme (MIS/TD/SCSS)
and delete the SB A/c ID from Interest Credit Account ID field and Repayment A/c ID field.
If the MIS/TD/SCSS account was linked and Interest posting occurs on the same day the SB
A/c is tried to close, it will not allow to close the SB A/c. Even If the MIS/TD/SCSS account is
closed also (which was linked to SB), on the same day the SB account can not be closed.
Ask the customer to close the SB A/c on the next day.
9. No cheque Book exists. Check using HACCDET whether cheque account. If exists use the
Menu HCHBM. Use Function - Destroy to destroy the Cheque book first. [See Section 8.25
for detailed procedure]
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10. Interest calculation. See interest executing the HACACCR and HPR or using the Menu
HAITINQ. Check the interest using HACLI. On closing system will automatically calculate
Current Year Interest.
1. Menu : HCAAC-Click Go [Fig 8.51] 2. Function –Z-Close 3. Enter SB A/c ID to be closed

4. Check Transfer box if balance is there. Uncheck if balance is not there(already withdrawn)
5. Transaction type : If balance transfer box is Transfer A/c ID: If transfer is selected,
selected, select cash if customer wants cash. i) Enter an SB A/c where customer
Select transfer if customer has another SB a/c wants to transfer the cash.
and wants to transfer the amount there. Select ii) Enter Postmasters Cheque
transfer also in case customer wants cheque. Account ID (SOL0340) if customer
wants cheque.
6. Click Go. New window opens. [Fig 8.52]
7. Click Closer Tab 8. Select Reason Code from searcher. [Fig 8.53] 9. Click Submit.
A system generated Tran ID starting with “S” may shown. [Fig 8.54] Note the Tran ID. Post the
Tran ID by counter PA using HTM Menu (function-Modify). Verify the Tran ID by super-using
Menu HTM.
 Unused cheque leaves, Standing Instructions, Interest Credit A/c no. link will be checked by
the system before closing. If system found such thing act on this, then go for account
closer. [Fig 8.55]
Verify the Account closer of SB using Same Menu HCAAC. Function - Verify
While verifying the closure of SB account, if user faces the error

"The account closure can proceed only if the balance is zero."
1. When account closure is initiated in HCACC, system automatically creates transaction to
debit entire balance on the given SB account/Teller(in case of cash closer) and this
transaction ID (starting with “S”) is shown in the result message, shown in Fig 8.54.
2. The Counter PA has to use HTM menu to post (Function – Modify) the transaction and
Super has to verify this transaction using HTM menu again, so that the balance of the
account becomes Zero. If the transaction ID is not noted, the same can be found out by
listing all transactions of the account using HFTI and checking the status of the
transactions.
3. Once the transactions are posted and verified and account balance has become zero, the
Super can proceed with verification of SB closure.
Fig 8.51
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Fig 8.52
Fig 8.53
Fig 8.54
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Fig 8.55
8.19 Branch Office (BO) SB Account closer -
When SB7A along with Passbook is received from BO, do the following-
Step-1
1. Menu : HACACCR [Fig 8.56] 2. Report to : PM 3. CCY field : Enter “INR”
4. From A/c ID: Enter the BO SB account number.
5. To A/c ID: Enter the same BO SB account number.
6. Submit A message “Batch program successfully lodged” is displayed.
Fig 8.56
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Fig 8.57
Step-2
1. Menu HPR- Click Go [Fig 8.58] 2. Click Go in the next screen.
3. Click the check box against “Accrual Success Report”. [Fig 8.59]
4. Click on the Print screen button.
5. The total amount accrued as interest till date is displayed at the end of the report. [Fig 8.60]
Fig 8.58
Fig 8.59
Fig 8.60
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Step-3
Interest amount shown in the report, should be added to the balance in the account and
noted On WARRANT OF PAYMENT of SB7A. This should be sent to Branch Office for closure of SB
account with direction that, this is valid up to last working day of the month. Other procedure for
sending sanction to BO should be followed.
Step-4
On receipt of SB7A from BO after closure, invoke the menu HCAAC for account closure.
1. Menu : HCAAC-Click Go [Fig 8.61] 2. Function –Z-Close
3. Enter SB A/c ID of BO to be closed 4. Check Transfer box.
5. Transaction type : Select Transfer
6. Transfer A/c ID: Enter BO Settlement A/c (SOLID0339)
7. Click Go. The balance amount in the account will be displayed in the A/c Information tab
8. Click Closer Tab 9. Select Reason Code from searcher. [Fig 8.62] 10. Click Submit.
Total amount along with interest will be displayed. BO SB account will be closed and amount
adjusted in BRANCH SETTLEMENT ACCOUNT.
Note Tran ID on SB7A
Verify the Tran ID by super-Same Menu. After verification, transaction will appear in LOT and
consolidation.
Fig 8.61
Fig 8.62
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8.20 Account Balance Check –
Balance of any account (Effective Available Balance), Float Balance (When cheques are
entered) Shadow balance (Funds in clearing) of cheque, Lien Amount, Scheme code of A/c etc.
can be checked using this procedure.
1. Menu : HACCBAL- Click Go. [Fig 8.63 & 8.64] 2. Enter A/c ID 3. Click Go
Fig 8.63
Fig 8.64
8.21 Account Details Check –

CIF ID of the account, Customers name, Scheme code, A/c Status, A/c Open date,
Interest rate, Mode of operation, Freeze code etc. can be seen.
1. Menu : HACCDET- Click Go. [Fig 8.65 & 8.66] 2. Enter A/c ID 3. Click Go
Fig 8.65
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Fig 8.66
8.22 Pre Migration Transaction Check (Transactions of Sanchaya Post)
1. Menu : TIPM- Click Go. [Fig 8.67 & 8.68] 2. Enter Account Number
3. Start Date: Enter the date from which transaction details required 4. Click Go
Fig 8.67
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Fig 8.68
8.23 Stop payment –

Stop payment of a cheque referred to when the cheque is lost or damaged. This is a
precautionary step to stop cheque being realized by the person not entitled to it.
o Stopping the payment of the cheque is requested by the customer.
1. Menu: HSPP – Click Go. [Fig 8.69] 2. Function – Stop Pay 3. A/c ID: Enter SB A/C no
4. Begin Chq No.: In case only one cheque leaf, enter the Cheque no. which has to be stopped.
In case more than one cheque leaf, enter the Begin Cheque No. from which
cheques have to be stopped.
5. No. of leaves: Enter no. of cheque leaf/leaves. In case of one cheque has to be stopped enter 1
here. In case of more than one cheque has to be stopped enter the number of cheques to be
stopped.
6. Click Go.
If number of cheque leaf is only one In the next Screen [Fig 8.70]
7. Enter Payee name 8. Enter Chq. Date 9. Enter Chq. Amt.
(In case of more than one cheque do not enter these information)
10. Select Reason code from searcher only ( e.g. 001-chq reported Lost)
11. Submit. Note Ref No.
Fig 8.69
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Fig 8.70
Fig 8.71
Verification process by Supervisor
1. Menu: HSPPAU – Click Go [Fig 8.72] 2. Function – Verify

3. Enter The Ref No and click outside. All the information will show.
5. Click Go 6. Details will be shown, Click Cheque details to check. . 7. Click Submit
Note 1: You can see the stop payment information by invoking the menu HCHBI, Enter A/c ID and
click Go. Now view details (refined search available). Select Back button to return.
Note 2: Stop pay report can be seen from HPR menu. [Fig 8.74, 8.75 & 8.76]
Fig 8.72
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Fig 8.73
Fig 8.74
Fig 8.75
Fig 8.76
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8.24 Revoking Stop payment –
1. Menu: HSPP – Click Go. [Fig 8.24] 2. Function – Revoke Stop Pay
3. A/c ID: Enter SB A/C no 4. Enter Begin Chq No.
5. No. of leaves : Enter no. of cheque leaf/leaves 6. Click Go. New window opens [Fig 8.78]
7. Click Submit 8. Note Down the Ref No.
Verify the Revoking of Stop payment using menu HSPPAU.
Fig 8.77
Fig 8.78
Fig 8.79
8.25 Cheque Book Destroy Procedure –

Before closing SB cheque account cheque book or remaining cheque leaves must be
destroyed first.
1. Menu : HCHBM- Click Go [Fig 8.80] 2. Function: D-Destroy
3. A/c ID: Enter Account ID where cheque book 4. Begin Cheque Number: Enter begin cheque
was issued. number from where it will be destroyed.
5. No of Leaves: Enter the number of remaining 6. Click Go. A new window will 7. Submit
cheque leaves. come with details. [Fig 8.81]
8. Verification with the same menu HCHBM. Function- Verify [Fig 8.83, 8.84 & 8.85]
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Fig 8.80
Fig 8.81
Fig 8.82
Fig 8.83
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Fig 8.84
Fig 8.85
8.26 Other functions of the Menu HCHBM –

 To inquire about cheque book.
 If the cheque is not recognized in Finacle. The main cause may be it has not been
Acknowledged. Use Acknowledge function and verify it with supervisor.
Fig 8.86
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SECTION -9 PMSBY-PMJJBY-APY
9.1 PMSBY [Pradhan Mantri Suraksha Bima Yojana] & PMJJBY [Pradhan Mantri
Jeevan jyoti Bima Yojana]
[SB order no 10/2015] [Follow the SOP circulated & also available in
www.Indiapost.gov.in website ]
 Right now it is enabled only for Single SB account. Enabled in all the CBS PO.
 Date of Birth, Gender and Nomination is mandatory for these scheme.
 Check DOB, Gender, KYC document submitted status, Address, PAN, Aadhar details, Mobile
no. etc. properly given. For this purpose use the Menu CMRC and Function –Inquire .
 Check Nomination is properly given in the SB account using the menu CASBAM and Function -
Inquire. Check the relationship and nominee percentage. Also check that account is Live.
 Balance in the a/c must be as per SOP. For checking balance use the menu HACLI.
 Check the signature using menu IES.
1. Menu CPMY 2. Function : Add

3. Account ID: Enter SB Account no. 4. PM Yojana Scheme: Select from the List.
a) PM-Jeevan Jyoti Bima
b) PM-Surakhsa Bima
5. Click Go 6. Click Validate in the next screen then Submit.
7. Verification done by super using the same menu
8. Once verified system will automatically deduct the amount. Rs. 330/- for PMJJBY and Rs.
12/- for PMSBY.
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SECTION -10 TD, MIS & SCSS
10.1 About Time Deposit Account (TD)
 Time Deposit can be opened for 1 year, 2 years, 3 years and 5 years only. Any no of account
can be opened.
 Account can be opened in the name of minor and a minor of 10 years and above age can
open and operate the account. Minor after attaining majority has to apply for conversion of
the account in his name.
 Deposit amount minimum Rs.200 and no maximum limit. All deposits in multiple of Rs.200.
 Interest is compounded quarterly.
 Upon maturity, Time deposit will be treated as renewed for the same period for which it
was opened from the date of maturity at CBS POs. Auto renewal is enabled in the system.
[SB order 05/2014]
 Lock up period of 6 months for TD accounts has been re-imposed. [SB Order No 09/2015].
When any TD accounts is closed before one Year after completion of 6 months, interest @
savings account applicable from time to time shall be payable. This will be applied for both
CBS and non CBS Post offices.
 In case of premature closure of 2 year, 3 year or 5 year account before or after 01.12.2011, if
the deposit is withdrawn after the expiry of one year from the date of deposit, interest on
such deposits shall be calculated at the rate, which shall be one per cent less than the rate
specified for a period of deposit of 1 year, 2 year or 3 years as mentioned in the concerned
table given under Rule 7 of Post office Time Deposit Rules. [SB Order 27/2011]. Calculation
will be done automatically by the system in CBS.
 Maturity amount including death claim may be transferred to SB account of the
Customer/Nominee/Legal Heir.
 TD interest pay-out is on yearly basis. TD interest will be transfer to SB account of the
customer only.
10.2 About Monthly Income Scheme Account (MIS)

 All deposits in multiples of INR 1500/-
 Maximum investment limit is INR 4.5 lakhs in single account and INR 9 lakhs in joint account.
 An individual can invest maximum INR 4.5 lakh in MIS (including his share in joint accounts)
 Account can be opened by cash/cheque/transfer from SB Account and in case of cheque the
date of realization of cheque in Govt. account shall be date of opening of account.
 Nomination facility is available at the time of opening and also after opening of account.
Account can be transferred from one post office to another. Any number of accounts can be
opened in any post office subject to maximum investment limit by adding balance in all
accounts.
 Account can be opened in the name of minor and a minor of 10 years and above age can open
and operate the account.
 Joint account can be opened by two or three adults. All joint account holders have equal
share in each joint account. Single account can be converted into Joint and Vice Versa. Minor
after attaining majority has to apply for conversion of the account in his name.
 Maturity period is 5 years from 1.12.2011.
 Monthly Interest may be drawn through auto credit into savings account standing at any CBS
Post offices.
 Maturity amount including death claim may be transferred to SB account of the
Customer/Nominee/Legal Heir. At the time of closer customer/nominee/legal heir to
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mention his/her SB account no on the receipt side of the SB-7A. [SB order 12/2015 &
17/2015]
 To take cash ask the customer to submit a SB-7 [normal SB transaction].
 MIS A/c can be prematurely en-cashed after 1 year but before 3 years at the discount of 2% of
the deposit and after 3 years at the discount of 1% of the deposit. (Discount means deduction
from the deposit.)
 During cheque payment, entries made in Postmasters Repayment office Accounts (0340) by
the user are to be verified by supervisor. For all the entries in this office accounts used by
users/Supervisors, it will be the personal responsibility of that user and supervisor to be sure
that entries are genuine and bonafide. [SB order : 17/2015]
10.3 Given below are some of the Terms used in TD/MIS/SCSS Account.
Times Description
Extension Renewal of a Time Deposit
Principal This flow corresponds to crediting deposit amount to the deposit account for all
Inflow types of deposits (except Recurring Deposits). This flow happens only once to the
(PI) account i.e at account opening.
Principal This flow is used for the payment of the deposit amount (principal). Normally, this
Outflow is used when interest is paid periodically to the customer separately. So, on closure
(PO) of the account the customer is only entitled to receive the principal amount.
Interest This flow is used for paying periodical interest either cash or to savings account
Outflow instead of crediting it to the Time deposit account.
(IO)
10.4 General Issues regarding TD/MIS/SCSS Account -
 TD And MIS Account Operation Uses Same Menu.

 SCSS Account opening, verification and modification use different menu.
 Interest payment procedure and closing procedure of TD/MIS/SCSS are same and uses
same menu.
 Account can be opened by Cash/Account transfer/Non DOP Cheque.
 Provision to open account by DOP cheque is not available right now in Finacle in case of
TD/MIS/SCSS. Use Account transfer mode instead.
 If Account to be opened by Account transfer, check fund is available in SB account, using
the menu HACLI. If fund is not available and account is opened, account number will be
generated, but super will not be able to verify the account creation until fund is available
in the SB account.
 Transfer from SB account in CBS is non-cash transaction like cheque. If agent is involved
and amount of transfer is more than 20,000/- the agent is still eligible to get the agent
commission. The commission will be transferred to their linked SB account.
 If Account to be opened by Cheque, after getting the CC list, Office account SOLID0382 has
to be checked. Consolidated amount for all the cheques sent for clearing will be shown
here. Use the menu HACLINQ for this purpose.
 If the account is opened by Cheque, enter the cheque encashment date in the Value date
field while opening the account.
 The CIF of MIS/TD/SCSS A/c and CIF of Interest credit account (SB A/c) must be same,
otherwise an error may come.
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10.5 Monthly Income Scheme (MIS) Account opening –
1. Menu: CMISAOP – Click Go [Fig 10.1] 2. Enter the CIF ID
3. Select Product Group MIS 4. Select the Scheme code (MISN1) from Searcher List.
5. Click Go. A new window with all the data of the customers as per the CIF id will get populated
6. Select The Mode of operation – Use searcher to select 012/016/017 etc. [Fig 10.2]
7. Enter Interest Credit Account : Enter SB A/c No. of customer if Monthly interest has to be
credited to his SB account. Leave Blank in case of interest payment by cash.
* If the account is opened by cheque, enter the cheque encashment date in the Value date field.
8. Enter Deposit Amount Maturity date will be shown
9. If any Agent attached, Click Agent option.
10. Click Agent ID Searcher. Enter few characters in DSA name field and Submit. Agent ID List
will come. Select the Agent ID.
11. Nomination : Same as explained in case of SB Account opening in Section 8.2 [Fig 10.3]
12. Enter Party details 2,3 etc If the mode of operation is 016/017(joint account).
Same as explained in case of SB Account opening in Section 8.2 [Fig 10.4]
13. Transaction Required – Select Yes Radio button.
14. Transaction type : Select Cash or Transfer option.
In case of fund transfer from SB A/c, Select Transfer & enter Debit A/c ID as SB A/c ID of
customer.
In case of A/c open by Non DOP Cheque, Select Transfer & enter Debit A/c ID as SOL0382 office
account here after checking the credit amount in this office account.
15. Documents Received : Yes 16. Number of documents received – Enter 1 ( as only AOF has
[Fig 10.5] been submitted by customer)
17. Select document code 016 from Searcher 18. Enter Document Date (Press Ctrl+X for current date)
19. Scan Details : Select Scan not required 20. Documents Status: Document Submitted
21. Click Submit. A message will come “Please check the Risk Category of the customer for KYC
purpose” [Fig 10.6]
22. Click OK. Flow page will be shown. [Fig 10.7] 23. See the details and Click Submit.
MIS A/c ID & Txn ID will be generated, Note down the Numbers on AOF. [Fig 10.8]
Fig 10.1
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Fig 10.2
Fig 10.3
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Fig 10.4
Fig 10.5
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Fig 10.6
Fig 10.7
Fig 10.8
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10.6 Time Deposit (TD) Account opening –
1. Menu: CMISAOP – Click Go [Fig 10.9] 2. Enter the CIF ID
3. Select Product Group TD 4. Select the Scheme code (TDIP1/TDIP2/TDIP3/TDIP5) from
Searcher List.
5. Click Go All the data of the customers as per the CIF id will get populated
6. Select The Mode of operation – Use searcher to select 012/016/017 etc. [Fig 10.10]
7. Enter Interest Credit Account : Enter SB A/c No. of customer if Monthly interest has to be
credited to his SB account. Leave Blank in case of interest payment by cash.
* If the account is opened by cheque, enter the cheque encashment date in the Value date field.
If the account is opened in BO, enter the account open date in Value date field.
8. Enter Deposit Amount Maturity date will be shown
9. If any Agent attached, Click Agent option.
10. Click Agent ID Searcher. Enter few characters in DSA name field and Submit. Agent ID List
will come. Select the Agent ID.
11. Nomination : Same as explained in case of SB Account opening in Section 8.2 [Fig 10.3]
12. Enter Party details 2, If the mode of operation is 016/017(joint account).
Same as explained in case of SB Account opening in Section 8.2 [Fig 10.4]
13. In case of TD only Enter Auto Renewal details — Renewal Option : Select “Principal only”
[Fig 10.11]
14. Transaction Required – Select Yes Radio button.
15. Transaction type : Select Cash or Transfer option.
customer.
account here after checking the credit amount in this office account.
In case of BO TD A/c open, Select Transfer & enter Debit A/c ID as SOLID0339 office account
16. Documents Received : Yes 17. Number of documents received – Enter 1 ( as only AOF has
been submitted by customer)
18. Select document code 016 from Searcher 19. Enter Document Date (Press Ctrl+X for current date)
20. Scan Details : Select Scan not required 21. Documents Status: Document Submitted
In case of BO TD account open select Branch office code from searcher. [Fig 10.11.1]
purpose”
TD A/c ID & Txn ID will be generated, Note down the Numbers on AOF. [Fig 10.13]
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Fig 10.9
Fig 10.10
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Fig 10.11
Fig 10.11.1
Fig 10.12
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Fig 10.13
10.7 TD or MIS A/c Modification Before Verification –

( PA may modify the new TD or MIS A/c opened by him)
1. Menu: CMISAOPM – Click Go 2. Function : M-Modify 3. Enter TD or MIS A/c ID – Click Go

4. Modify the required field 5. Visit Flow Tab 6. Click Submit
10.8 Verification of new MIS or TD Account –

(Verify the newly opened TD A/c – By Super)
1. Menu: CMISAOPV – Click Go 2. Function : V-Verify 3. Enter TD or MIS A/c ID —Click Go

4. Check General TAB and Flow TAB/PAGE 5. Click Submit if everything is made correct
10.9 Modification of Existing TD or MIS Account –

Modification of TD/MIS account is done for Nomination addition or modification, to make the
account Single to Joint , Joint to Single and for Entering auto credit to SB A/c information.
1. Menu: CMISAM – Click Go 2. Function : M-Modify 3. Enter TD or MIS A/c ID – Click Go

4. Modify the required field 5. Visit Flow Tab 6. Click Submit
10.10 Verification of Existing TD or MIS Account –

1. Menu: CMISAM – Click Go 2. Function : M-Verify 3. Enter TD or MIS A/c ID – Click Go
4. Check the details 5. Visit Flow Tab 6. Click Submit
10.11 To update Standing Instructions from MIS/TD to SB A/c –

1. Menu: CMISAM – Click Go 2. Function : M-Modify 3. Enter TD or MIS A/c ID – Click Go
4. Interest Credit Account: Enter SB account number.
5. Visit Flow Tab 6. Click Submit
7. The modification must be verified by Super with the same menu CMISAM immediately. If it is
forgotten then in the next month/year the interest of MIS or TD will not be posted in the
respective SB account.
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10.12 About Senior Citizen Savings Scheme(SCSS) –
1) The account may be opened by an individual,
A. Who has attained age of 60 years or above on the date of opening of the account.
B. Who has attained the age 55 years or more but less than 60 years and has retired under
a Voluntary Retirement Scheme or a Special Voluntary Retirement Scheme, subject to the
condition that the account is opened within one month of receipt of retirement benefits
and amount should not exceed the amount of retirement benefits.
C. No age limit for the retired personnel of Defense services provided they fulfill other
specified conditions.
2) The minimum and maximum deposit amount by a customer is Rs. 1000/- and Rs. 15 lakhs
respectively is defined in Finacle. The deposit has to be in multiples of Rs. 1000/-.
3) Account can be opened by cash for the amount below INR 1 lakh. By cheque only for
amount INR 1 Lakh and above. In case of cheque, the date of realization of cheque in Govt.
account shall be date of opening of account.
4) The account can be opened single and jointly with spouse only, and first depositor in Joint
account is the investor.
5) Any number of accounts can be opened in any post office subject to maximum investment
limit by adding balance in all accounts.
6) Nomination facility is available at the time of opening and also after opening of account.
7) Account can be transferred from one post office to another. Transfer of Account is
possible between CBS Post Office to CBS Post Office. CBS Post Office to Non CBS Post
Office and Non CBS Post Office to CBS Post Office is not allowed.
8) In case of SCSS accounts, quarterly interest shall be payable on 1st working day of April,
July, October and January. It will be applicable at all CBS Post Offices.
9) Interest Rate is 8.6% per annum (from 01-04-2016), payable from the date of deposit of
31st March/30th Sept/31st December in the first instance & thereafter, interest shall be
payable on 31st March, 30th June, 30th Sept and 31st December.
10) The interest type is Interest Outflow (IO) in Finacle. The interest is paid quarterly to the
customer’s operative (Savings) account standing at any CBS Post office by defining the
interest repayment account in Finacle.
11) Maturity period is 5 years.
12) No withdrawal shall be permitted before the expiry of a period of five years from the date
of opening of the account. The depositor may extend the account for a further period of 3
years within 365 days after maturity by giving application in prescribed format. In such
cases, account can be closed at any time after expiry of one year of extension without any
deduction. No auto renewal is allowed.
13) The lock in period of the deposit is one year, that is, the depositor cannot withdraw the
deposit before one year. If the depositor tries to withdraw the amount before one year,
the system displays an error for the same.
14) Premature closure is allowed after one year.
15) The penalty for pre-closure are defined in Finacle and are as follows:
 Up to 1 year - No penal rate is configured, since no part closure is allowed on SCSS
Scheme.
 From 1 year - 2 years - 1.5% of Principal will be debited (deducted) from the SCSS
account.
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 Above 2 years - 5 years - 1% of Principal will be debited (deducted) from the SCSS
account.
16) For opening a SCSS account, PAN card is mandatory where the customer is liable for
deduction of TDS. Declaration in Form 15G or 15H can be given if applicable. In that case
TDS will not be deducted.
17) The Interest rate will be as applicable on the date of opening.
18) TDS is deducted at source on interest if the interest amount is more than INR 10,000/- p.a.
If customer submits declaration in form 15 G or 15 H, TDS will not be deducted.
19) Investment under this scheme qualifies for the benefit of Section 80C of the Income Tax
Act, 1961 from 1.4.2007.
10.13 Opening of Senior Citizen Savings Scheme (SCSS) –

1. Menu: CSCAOP – Click Go [Fig 10.14] 2. Enter the CIF ID
3. Scheme code : Click Searcher – then Select Scheme SCSCM/SCDEF/SCVRS (as applicable)
4. Click Go. New window with all the data of the customers as per the CIF id will be get
populated. [Fig 10.15]
5. Enter Deposit Amount. Maturity date will be shown.
6. Enter Interest Credit Account: Enter SB A/c No. of customer for auto transfer of quarterly
interest to his/her SB account. Leave Blank in case of interest payment by cash.
7. Tax Form : Select NONE/15G/15H 8. Tax Category: N-No Tax/Customer tax
deducted at source etc.
If 15G/15H is submitted: NONE is selected by default. Delete the word “NONE” in Tax Form field
and enter 15G/15H. In Tax Category field, Select - No tax. [Fig 10.15.1]
If 15G/15H is not submitted do not change anything here.
9. Select The mode of operation – Use searcher to select 012/016/017 etc. (as applicable)
10. Select Transaction Check box. If PAN no is given it will show. [Fig 10.16]
11. Transaction type: Select Cash or Transfer option.
customer.
account here, after getting the CC list and checking the credit amount in this office account.
12. Select Document details Check box. 13. Number of documents received – Enter 1 (
as only AOF has been submitted by customer)
14. Select document code from Searcher(016) 15. Enter Document Date (Press Ctrl+X for current
date)
16. Scan Details : Select Scan not required 17.Documents Status: Document submitted
18. Enter Party details 2 If the mode of operation is 016/017(joint account). [Fig 10.17]
Same as explained in case of SB Account opening. Select Relationship only as SPOUSE
19. Select Nomination Check box If 20. Nomination : Same as explained in case of SB Account
opted for. [Fig 10.18] opening. Note Nomination no on AOF.
purpose” [Fig 10.19]
SCSS A/c ID & Txn ID will be generated, Note down the No. [Fig 10.21]
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Fig 10.14
Fig 10.15
Fig 10.15.1
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Fig 10.16
Fig 10.17
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Fig 10.18
Fig 10.19
Fig 10.20
Fig 10.21
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Verification to be done by super –
1. Menu CSCAOPV- Click Go 2. Function : Verify 3. Enter A/c ID of SCSS account
4. Check and submit/F10
10.14 Modification of SCSS Account –

Modification of SCSS a/c is done for Nomination addition or modification, to make the
account Single to Joint with spouse, Joint to Single, Entering auto credit to SB A/c information
and entering 15g/15H information.
1. Menu : CSCAM 2. Function : Modify 3. Enter SCSS A/c ID 4. Click Go
5. Make the changes 6. Submit 7. Verify with the same menu CSCAM by Super
10.15 View TD/MIS/SCSS Interest (Only to view Interest amount) –

Using the menu HTDTRAN interest generated for a particular TD/MIS/SCSS account or not
can be seen. Through this procedure the account where (SB A/c or Sundry A/c) the interest has
been posted can also be seen.
1. Menu: HTDTRAN – Click Go [Fig 10.22] 2. Enter TD/MIS/SCSS A/C ID 3. Click Go/F4
4. Click on Date to see details of transaction and where the interest has been posted.
5. See Figure 10.24 - Interest credited to SB A/c.
See Figure 10.25 - Interest credited to Sundry Account Number.
Fig 10.22
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Fig 10.23
Fig 10.24
Fig 10.25
10.16 View TD/MIS/SCSS Interest (To view Interest amount and whether paid to
customer) – This menu is used to see only the pre-migrated interest.
1. Menu: HIOT – Click Go [Fig 10.26] 2. Click Submit in the next screen
3. SOL Set ID : Enter Sol ID [Fig 10.27]
4. A/c ID: Enter Sundry A/c of MIS/TD/SCSS etc. 5. Start date: Delete if any.
6. End date: Current date 7. Ref No. : Enter A/c ID of MIS/TD/SCSS. 8. Submit [Fig 10.28]
Due amount is shown in Transaction Amt column. If Reverse Amt column is “0” then amount is
not paid yet. If reverse amount column is showing some amount then amount is already paid.
Fig 10.26
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Fig 10.27
Fig 10.28
10.17 TD/MIS/SCSS interest payment –

In Finacle Interest of MIS account first flows to MIS Sundry office account no. SOLID0337.
Interest of TD account first flows to TD Sundry office account no. SOLID0335.
Interest of SCSS account first flows to SCSS Sundry office account no. SOLID0338.
From these office accounts payment to customer may be done by cash/cheque/transfer to SB
account. If Auto credit of interest (Standing Instruction) is done, then the interest flows to interest
credit account (SB A/c of customer).
1. Menu: HTM – Click Go. [Fig 10.29] 2. Function – Add

3. Transaction type/sub type :
i) Select Cash/Normal Payment for Cash Payment.
ii) Select Customer Induced for Transfer the Interest amount to SB A/c of customer.
iii) Select Customer Induced for Transfer the Interest amount to SOL0340 (Postmasters cheque
a/c) for cheque payment.
4. Click Go button. A new window will come. [Fig 10.30]
First give MIS/TD/SCSS A/c ID in the A/c ID box and click Signature button to check the
signature. After checking close it and delete the MIS A/c no given. Now do the following-
5. A/c ID: Enter Sundry A/c ID for TD/MIS/SCSS Interest (e.g. SOLID0335/0337/0338)
6. Ref.CCY/Amt: Enter Amount(exact interest amount may differ, so if not known, enter 1 here
or enter the amount written on the voucher)
7. Ref No: Enter TD/MIS/SCSS A/c No.
8. Click Go button adjacent to Restore Value A New screen will come [Fig 10.31]
9. Delete the Start Amt and End Amt 10. Ref No: Enter TD/MIS/SCSS A/c No. 11. Click Go.
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12. Another Window will come. [Fig 10.32] Here exact amount of TD/MIS/SCSS interest will be
fetched from TD/MIS/SCSS Sundry deposit A/c. If more than one interest is due (before & after
migration period or Interest not withdrawn for more than one month) it will show more than
one entry. Interest Amount to be paid will show here under Tran Amt column. Click the check
box/boxes on the left to make payment.
If 1 is entered in Amt field in the first page or interest amount shown differ what is
entered in on the first page, Reversing Amount column will show amount 1.00 or the amount
entered on first page. Click back button (adjacent to Accept button below) to return to the
previous screen. Again click back button to return to the first page. Modify the amount in
Ref.CCY/Amt field to exact interest amount shown in the 3rd page under Tran Amt Column.
Again follow from Step 7 to step 11 then Click the Check box/boxes on the left.
13. Click Accept button. [Fig 10.33] The First screen will return. [Fig 10.34]
14. Click Post button at bottom to complete cash transaction. Transaction ID will be generated.
15. Click Add Button If amount to be transferred to SB account/SOL0340 (cheque payment)
after Step 13. [Fig 10.35]
16. Click Credit Option. 17. Enter SB account no in A/c ID field.
18. Click Contra button to get the amount in Amt box
19. Click Post. Transaction ID will be generated.
Verify the Transaction by Super using menu HTM. Function – Verify, Enter Tran ID, Click Go,
Submit after checking.
Note 1: Any withdrawal for TDA product(TD/MIS/SCSS) interest transactions will be in Posted
stage. So be careful before doing the transaction.
Note 2: Due interest amount is also inquired using HTM [Procedure shown above upto step 12]
Fig 10.29
Fig 10.30
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Fig 10.31
Fig 10.32
Fig 10.33
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Fig 10.34
Fig 10.35
10.18 BO TD Interest Payment at Accounts office –

When SB7 is received from BO for sanction of interest, PA at Account Office (SO/HO) first
Invoke the menu HTDTRAN or HIOT to check the interest accrued for the said TD account.
The interest accrued should be written in the Payment Warrant (SB7) and after verification
and signature of Supervisor, send back SB-7 to BO concerned after following the laid down
procedure for sending sanction to BO. On receipt of TD SB7 after payment from BO, the following
procedure has to be followed by PA for entering the Interest paid on TD account.
1.Menu: HTM – Click Go [Fig 10.36] 2. Function – Add
3. Transaction type/sub type : Select Cash/Cash Transfer 4. Click Go button.
New window will come. [Fig 10.37] Debit option is selected by default.
5. A/c ID: Enter Sundry A/c ID for TD Interest (SOLID0335)
6. Ref.CCY/Amt: Enter Interest Amount to be paid 7. Ref No: Enter BO TD A/c No.
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8. Click Go button adjacent to Restore Value A New screen will come. [Fig 10.38]
9. Ref No: Enter TD A/c No. 10. Click Go.
11. Another Window will come. [Fig 10.39] Here exact amount of TD interest will be fetched
from TD Sundry deposit A/c. Interest Amount to be paid will show here under Tran Amt column.
Click the check box/boxes on the left to make payment. [Fig 10.40]
12. Click Accept button. The First screen will return [Fig 10.41] 13. Click Add Button
14. Click Credit Option. 15. Enter BO Settlement office account (SOL0339) in A/c ID field.
16. Click Contra button to get the amount in Amt box. 17. Ref No: Enter BO TD A/c No.
18. Click Post. Transaction ID will be generated. Verification of Tran ID by Super. Menu HTM,
Function Verify, enter Tran ID, Click Go, Submit after checking.
Fig 10.36
Fig 10.37
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Fig 10.38
Fig 10.39
Fig 10.40
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Fig 10.41
10.19 TD/MIS/SCSS interest payment of other SOL -
This is called INTERSOL TRANSACTION. Same procedure to be followed as interest

payment of own SOL. No need to Transfer the TD/MIS/SCSS account. At the time of payment put
the Sundry account no of other SOL.
For example, MIS interest of an MIS account which stands at Barabazar HO (SOL:
70000700) to be paid from Park street HO (SOL : 70001600). The MIS interest is in the Sundry
account of Barabazar HO. While withdrawing the interest through HTM menu at Park street HO
enter MIS Sundry account of Barabazar HO (700007000337) in A/c ID field.
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10.20 About Closer of TD/ MIS/SCSS Account –
 In Finacle closer of TD/MIS/SCSS Accounts have two types – A) L-Trial Close & B) Z-Close
Both procedures are same but L-Trial close is done to see the maturity value of closer only. The
maturity amount can be seen in a report format. Z-Close must be done to close the account after
doing the trial close.
 L-Trial Close is mandatory in the following cases-
1) In case of Branch Office account close.
2) In case of Premature closer of account (due to death or normal premature).
3) In case of Closer of account where Post Maturity Interest (PMI) generated.
4) When It will be required to sent exact figure of closing amount to cheque drawing
office, if payment to be given by cheque.
 Closer may be of following types –
1) Normal closer on maturity of the account.
2) Premature closer (where account holder is alive and all the conditions of premature
closer of the account is fulfilled.)
3) Premature closer (Due to Death of account holder).
4) Premature closer(Due to court order or forfeiture etc.)
 Payment of Closer amount may be given by
1) Cash (if amount is less than Rs. 20,000/-).
2) Cheque – Any Amount.
3) Transfer to SB Account - Any Amount. In case of death claim also the maturity value
may be transferred to SB account of Nominee or legal heir.
 Closer of TD/MIS/SCSS account may be done for accounts of other SOL also. The Counter PA
should first check that Account(s) are genuine and stand in Finacle. He/She will verify
signatures of the holder(s) on the withdrawal Form or Account Closure Form with that
available in Finacle. Once, it is confirmed from the signatures that holder is genuine, payment
of interest should be made first to the account holder as per process being followed for
normal withdrawal. Take SB10(b) form, fresh ID as well as Address Proof from the customer.
After proper verification of KYC documents, Accounts(s) first to be TRANSFERRED IN. Then do
the Closer process. Whenever any account is closed at the office other than the office where
account was opened, in any case, payment should not be made by cash and payment should
either be made by crossed cheque or credit to savings account (where required KYC
documents have been taken) only. [Ref: SB order 7/2015]
 Do not TRANSFER IN the Account before interest payment, if any due (remains in Sundry A/c
of the SOL) for the TD/MIS/SCSS account.
 In case of BO account closer, closer amount is transferred to Repayment account. If BO is
mapped properly BO settlement account (SOL0339) is shown automatically. If Repayment
account is shown as Postmasters cheque account (SOL0340), then amount to be transferred to
BO settlement account (SOL0339) later.
 During closer if any mistake is done in closer process by operator, the closer process can be
cancelled by the Supervisor. But once verified nothing can be done from any level.
 Before closing any account check the name of the account holder so that no wrong account is
closed. If any account is closed wrongly there is no procedure to revert it back at any level.
 In case of death closer also the closer amount may be transferred to SB account of the legal
heir.
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 In case of Joint MIS Account where one of the joint holders dies and the investment in the
account(s) is more than the MIS investment limit fixed for single holder, the user needs to
withdraw the excess amount by using MIS closure menu.
1) In case of death of 1st holder (Main holder in finacle) of the MIS Account, death
marking in CIF level is to be done after withdrawal. Then Invoke CIF merger menu to
change the CIF ID of the main holder to that of remaining holder, who would be the
main holder in the account. Date of effect of half withdrawal will be date of death.
2) In case of death of 2nd or 3rd holder of the MIS Account, half withdrawal is done first.
Then modification menu of MIS is used to delete the 2nd or 3rd holder. Next death
marking done in CIF level. Date of effect of half withdrawal will be date of death.
 Premature closer of SCSS accounts to be done only in HO.
 In case of MIS death claim closer, closer value date will be the current date and not the date
of death. The nominee or legal heir is eligible to get total deposit value including due interest.
[Ref: POSB Manual Vol-III, CH-8, Page-49]
 In case of TD premature closer during the death closure of a TD account, the User has to
choose the previous completed year of TD tenure, as the closure value date. e.g. TD account
was opened on 5-3-2010 for 5 years. The customer dies and the legal heir of customer asks for
closure on 25-10-2013. Since TD has run for 3 years, 7 months and 20 days, during closure the
user has to choose the completed year of the tenure as on date of death i.e. 3 years only and
enter the closure value date as 5-3-2013.
 During Normal TD/MIS premature closure, the user does not need to change the closure
value date.
 All the due interest first to be paid before the closer.
 In case of MIS closer, Principal amount, Bonus amount (if any), PMI if any, PMI on Bonus (if
any) will be shown on closer. In case of Transfer to SB a/c, total maturity amount is credited to
SB Account. In case of cash closer total amount credited to postmasters cheque account. Cash
pending transaction (HCASHPND) is done to credit the Teller account. If Bonus amount is not
credited to teller account and retain in postmasters cheque account then that amount may be
paid by cheque.
 During TD/MIS/SCSS account closer if found an error “ Value date is more than value date” -
The error occurred when try to transfer the maturity value to an SB Account, which is opened
after the maturity date of the TD/MIS/SCSS account. In this situation ask the customer for
cheque payment or transfer the maturity value to some other SB account opened before the
maturity date of the TDA account or ask the customer to wait for a PMI in the matured TDA
account (to take payment one month after of maturity date of the TDA account).
10.21 Closer of TD/MIS/SCSS A/c on Maturity /Premature/ Death closer -
Step 1: Use menu HTDTRAN to see interest is generated for the current month and whether it
has been credited to Sundry account or SB account. See Section 10.15 for details. If the interest
credited to SB a/c, it can be checked using menu HACLI. If the interest credited to Sundry account
proceed to Step 2.
Step 2: Ensure that interest has been paid. Check this using the menu HIOT if Pre migration
interest is due. For details see Section 10.16. If it is not shown by any reason use the menu HTM
to see the interest amount if any and whether it is paid or not. See Section 10.17 for details. If the
interest is paid from sundry Account or automatically credited to SB account then proceed for
closer.
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Step 3: L-Trial Close and Z-Close. They are same procedure but Trial closer is not actual closer.
You have to do the Z-Close (actual closer) to complete the job.
1. Menu: HCAACTD – Click Go [See Fig 10.42] 2. Function – Z-Close or L- Trial Close
3. A/c ID: Enter TD/MIS/SCSS A/c No. and click outside.
Closer Value Date and Withdrawal Amt will be populated automatically. [Closer value date to
be changed according to the rule of the respective scheme. Withdrawal amt to be changed in
case of MIS half withdrawal if applicable.
4. Click Signature button or press F9 to see the signature.
5. Click Go System will generate a message “Pay all unpaid interest from Sundry
Account” Click OK. (This is very Important)
A new screen will come and Account information page/tab will show. [ See Fig 10.43]
6. Click on “Closer Details” TAB
7. Select Close mode –
A) In case of Transfer to SB A/c of customer
I. Select SB A/c option.
II. Repayment A/c ID: Enter Customer’s SB Account No. [See Fig 10.44]
B) In case of Cheque payment Select Repayment A/c option. SOLID0340 will come
automatically in repayment account ID box. [See Fig 10.45]
C) In case of Cash payment Select Cash only and select Cash CCY Code: INR [See Fig 10.46]
D) In case of BO A/c closer Select Repayment account only. BO settlement account (SOL0339)
will come automatically if BO is mapped properly. If Postmasters cheque account (SOL0340) is
shown, after closer transfer the amount to BO settlement A/c SOL0339 using menu CXFER. While
doing CXFER, Debit the Postmaster cheque account and credit the BO settlement account.
8. In case of death claim Select NO option in Collect Penal Int. (This is very Important)
9. Click on “Closer Exception” TAB
10. Closer Reason Code : Enter Closer reason code or Select from searcher.
a) In case of Maturity/ Premature closer select NORML as Closer reason.
b) In case of death claim select DTCLM as Closer reason. [See Fig 10.47]
11. Click Submit *Note: No Tran ID is generated in case of closer.
In case of premature closer system will through an EXCEPTION “Premature Closer” – Click
Accept button if it is a premature closer case otherwise Cancel. See the details and click Ok.
[Fig 10.48.1 - 10.48.3]
Fig 10.42
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Fig 10.43
Fig 10.44
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Fig 10.45
Fig 10.46
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Fig 10.47
Fig 10.48.1
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Fig 10.48.2
Fig 10.48.3
Step 4: Verification of closer of TD/MIS/SCSS account – by super
1. Menu: HCAACVTD – Click Go [Fig 10.49] 2. Select Function – Verify For verification
3. A/c ID: Enter TD/MIS/SCSS A/c No. 4. Click Go
5. Visit Closer Details TAB 6. Visit Closer Exception TAB and Click Submit
7. In case of premature closer system will through an EXCEPTION “Premature Closer” – Click
Accept button. See the details and click Ok.
Note: If for any reason the account closer has to be Canceled select Function-Cancel and
proceed. The cancel procedure is same as verification procedure. After verification account
closer can not be cancelled.
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Fig 10.49
Step 5: Cash payment (below rs. 20,000/-) of TD/MIS/SCSS involves two more steps –
1. Payment by PA
1. Menu: HCASHPND – Click Go [Fig 10.50] 2. Function – Process

3. Originating A/c. ID: Enter TD/MIS/SCSS A/c No.
4. Click Go A new screen will come [Fig 10.51]
5. Click on Srl No. 00001/00002 etc. 6. Click Post. [Fig 10.52] an exception may come.
(which is applicable to this transaction) Click on Accept. [Fig 10.53] Transaction ID to be
noted. [Fig 10.54]
2. Verification By SUPER
1. Menu: HTM – Click Go 2. Function – Verify 3. Enter Transaction ID – Click Go

4. Check and click Submit.
Fig 10.50
Fig 10.51
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Fig 10.52
Fig 10.53
Fig 10.54
10.22 BO TD Closer –
 When SB7A is received from BO for sanction of TD closure, Invoke TD Trial closure for the
required BO TD account and send SB7A to BO concerned by filling closure amount on Warrant
by following the laid down procedure for sending sanction to BO.
 Before doing Trial Closure, unpaid TD interest if any should be checked by using HTDTRAN or
HIOT menu. Total amount to be paid along with unpaid interest should be mentioned on the
SB7A on the Warrant of Payment Side with signatures of Supervisor.
 It should also be mentioned that sanction is valid up to last working day of the month and if
customer does not come for closure up to that day, fresh sanction should be obtained. All
other provisions mentioned in the rules should be followed.
 On receipt of closed voucher from BO, the following procedure to be followed –
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1. Menu HCAACTD, Click Go 2. Function : Z – Close
3. A/c ID: Enter the BO TD account
4. Closer Value date: Account closer date at Branch office, based on the sanction
of SO/HO.
5. Click on SVS (Signature Verification System) icon to verify the signature in the BO
Withdrawal voucher.
6. Click Go. A new window will come. BO TD account details will be displayed. Check the
amount of principal.
7. Click on “Closure Details” Tab
8. Select the R-Repayment A/c only option for BO Accounts. Branch Settlement account (SOLD
ID 0339) will come, if BO is mapped properly or Post masters Cheque Account (SOL ID 0340)
will come automatically.
9. Click on “Closure Exceptions” Tab
10. Select the Closure Reason Code as NORMAL from the Searcher if Closer is normal.
11. Click on Submit.
Closure details detailing the principal, interest adjustment and actual Booked Interest paid as
maturity proceeds to the BO TD account to be verified with the voucher. After verification,
transaction would appear in LOT and Consolidation.
10.23 Inquiring Accounts using BO Code –

 Invoke HACSP menu.
 Enter the Sol ID, Scheme code, Open Date (Low), Open Date (High), Free Code No. and
Free Codes fields.
 Scheme Code for SB is SBGEN and RD is RDIPN.
 Open Date (Low) and Open Date (High) are the account opening dates. All the accounts
which are opened in this Date Range will be listed.
 In Free Codes field, enter the actual BO code or select from the searcher also.
 After entering all these details click on Submit.
 All the accounts for the specified criteria will be displayed.
10.24 Extension of SCSS Accounts –

 SCSS account can be extended after completion of 5 years. Extension can be done within
365 days (1year) after completion of 5 years.
1. Menu: HTDREN (Term Deposit RENewal) [Fig 10.55] 2. Function - Renewal
3. A/c ID: Enter SCSS A/c ID 4. Click Go. A new window will come.
In this window Effective open date will show as maturity date of the account [Fig 10.56]
5. Renewal option : P-Principal only
6. Print Renewal Confirmation: Select Immediate option. 7.Submit
Fig 10.55
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Fig 10.56
10.25 Submission of 15G/15H in SCSS Accounts –

1. Use Menu CMRC. Function –Inquire. Enter CIF. Click Go. Check Tax Deduction at Source
table code is “NOTAX”. If it is NOTAX, do nothing. If it is not so make it NOTAX using
function – Modify. Verify it by Super.
2. Use Menu CSCAM. Function-Modify. Enter SCSS A/c ID. Click Go. [Fig 10.57]
3. The word “NONE” is selected by default in Tax Form Field. Delete the word “NONE”.
4. 15H/15G is to be selected in Tax Form field from searcher
5. In Tax Category field, Select - No tax option
6. Submit.
7. Verify by Super with the Same Menu CSCAM.
Fig 10.57
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10.26 Refund of TDS if wrongly deducted in SCSS Accounts –
As and when it is found that TDS is wrongly deducted, following process should be followed to
refund TDS:-
1. Write an error in the Error Book showing detail of account number and amount of TDS
wrongly deducted.
2. Use HRFTDS menu and enter the SCSS account ID in the field “From A/c ID & To A/c ID” and
select Trantype as Transfer. Cash option should not be used in trantype.
3. On clicking Go, the TDS amount deducted will be shown.
4. In the “Refund A/c ID” field, enter the customer's SB a/c if customer has savings account in
any CBS post office or if customer wants cash to be paid, enter office account 0340 and pay
cash.
5. In the evening, show this amount as TDS Refund in the daily account or cash book.
Note :- Refund has to be made only before submission of tax returns by respective HOs. No TDS
refund should be made after remitting TDS to IT Department. Customers can get reimbursement
only from IT department after filing returns.
10.27 Premature Closer of SCSS in Lock in period –

1. SCSS death closure can be done only at HO.
2. When death is reported, first of all, date of death is to be entered in CIF Modification menu
CMRC and verified by the Supervisor with the same menu.
3. After sanction of death claim case, account closure form along with Passbook is to be sent to
HO (if account stands at SO).
4. Only Supervisor of HPO can close the account by following the process given below and
Postmaster of HPO has to verify the transaction:-
a) First Supervisor has to invoke HINTTM menu and give the SCSS account number and
choose SBRATE and give start date as Date of death and Verifier can verify the same
record. This is done to ensure until date of death, SCSS rate is given to customer and
from date of death till date only SB rate will be given to customer.
b) After HINTTM verification, user can invoke HCAACTD and system will automatically
change the closure value date and user has to apply mind and change the reason code
as "DEATH" to ensure no penalty is applied to this account.
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SECTION -11 RECURRING DEPOSIT(RD)
11.1 About Recurring Deposit
 The customer can open an RD account for a fixed amount and for a fixed period of 60 months.
After 60 months it can be further extended for the period of 60 months where there will be
no default installment.
 An RD account can be opened for single or with joint holders with nomination facility. There
will not be any nomination facility provided for minor accounts. Joint account can be opened
by two adults.
 Account can be opened in the name of minor. A minor of 10 years and above age can open
and operate the account. Minor after attaining majority has to apply for conversion of the
account in his name.
 Single account can be converted into Joint and Vice Versa.
 Any number of accounts can be opened in any post office.
 Account can be transferred from one post office to another.
 The minimum deposit installment amount for opening a RD a/c is Rs.10/- per month and in
multiples of Rs.5/- and there is no maximum limit.
 Account can be opened by cash/cheque. In case of opening by cheque the date of deposit of
the cheque shall be date of presentation of cheque.
 In case of deposits made in RD accounts by Cheque, date of credit of Cheque into
Government accounts shall be treated as date of deposit.
 From 1.4.2016, interest rates will be 7.4% per annum (quarterly compounded). On maturity
INR 10/- account fetches INR 726.97.
 If the RD deposit installment has not been made within due date, it is considered as default
installment. For example, an RD account was opened during 1st to 15th of a month, and then
the next RD instalment can be paid anytime till the 15th of the succeeding month. If the RD
was opened during 16th to 30th / 31st of any month, then the next RD installment can be paid
anytime till the 30th / 31st of the succeeding month.
 In case of more than four defaults the account will be treated as discontinued and revival of
such an account will be permitted within a period of two months from the month of fifth
default. Interest at the rate of 5 paisa, for every five rupees of a defaulted installment for
each month of default, will also to be paid along with such deposit in lump sum. If the default
deposit installment should not happen within these two months, the a/c will freeze by the
system. An account where such defaulted installments are not deposited shall be treated as a
discontinued RD.
 Rebate on installment amounts are allowed to accounts where some installments are received
in advance. There should not be any discontinuity in earlier installments paid. A minimum of 6
installments are accepted in advance for availing the benefit of rebate. The rebates are slab
based.
 Full maturity value allowed on R.D. Accounts restricted to that of INR. 50/- denomination in
case of death of depositor subject to fulfilment of certain conditions.
 A pre-mature closure of an RD account is allowed only after 3 years.
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11.2 RD Account Open –
1. Menu: CRDOAAC – Click Go [Fig 11.1] 2. Enter the CIF ID
3. Scheme code : Select from searcher. Click the searcher then Click 4. Click Go
Submit. Now select the scheme as RDIPN. The scheme code RDIPN can
be entered directly by typing also.
A new screen will come. All the data of the customers as per the CIF id will get populated
automatically.
5. Mode of Operation : Select from searcher 012/016/017 etc. [Fig 11.2]
Under Scheme details:
6. Value date: Enter Date of presentation of cheque, if open by cheque. [Fig 11.3]
Enter BO open date in case BO RD open
7. Monthly Installment amount: Enter amount, maturity value will be shown.
8. Select Agent Radio button if agent attached.
9. Sourcing Dealer ID: Select Agent ID from searcher if any Agent attached.
Under Transaction details :
10. No of Installment: Enter no. of installment the customer wants during opening an Account.
Usually it is 1. If anybody wants to open the RD by depositing advance deposit enter 6/12/24
months etc. Minimum 6 months advance has to be given to get 1% rebate. To get 4% rebate 12
months advance has to be given. The rebate will show.
Transaction required : Yes
11. Transaction type : Select Cash or Transfer option. 12. Debit A/c ID: Enter A/c ID
a) In case of fund transfer from SB A/c, Select Transfer & Enter Debit A/c ID as SB A/c ID of
customer.
b) In case of A/c open by Non DOP Cheque, Select Transfer & Enter Debit A/c ID as SOL0382
office account here after checking the credit amount in this office account.
c) In case of A/c open by DOP cheque, Select Transfer & Enter SB Account no of the cheque.
d) In case of BO RD A/c open, Select Transfer & Enter Debit A/c ID as SOL0339 office account
13. In case account open by DOP cheque, enter Cheque number in Instrument alpha/Sl no and
cheque date in Instrument date.
Under Document details :
14. Account documents received : Select Yes
15. Number of documents received – Enter 1 ( as only AOF has been submitted by customer)
16. Document Details 1 : Only Document details 1 to be filled up
i)Select document code from Searcher(016) ii)Enter document Date (current date)
iii) Scan details : Select Scan not required iv) Documents Status: Select Sent to CPC
17. Enter Related Party details 2, If the mode of operation is 016/017(joint account). [Fig 11.4]
Same as explained in case of SB Account opening
18. Nomination : If Nominee exists Click “Yes” Note Nominee No. on AOF
19. Enter nominee details – If CIF of nominee exists enter CIF. All the details will come. Otherwise
enter Name, Address, Pincode. Enter Country(IN/INDIA), Relationship and Nominee pct (100 in
case of single nominee). Nominee pct=> Nominee percentage [Fig 11.5]
20. If nominee is minor Select Nominee Minor as “Yes”. Enter Date of Birth. Enter Guardian
details.
21. Click Submit. [Fig 11.6] 22. Flow page will come. Click Submit again. [Fig 11.7]
RD Ac ID will be generated note it on AOF [Fig 11.8]
Note : While opening RD a/c instalment amount will be in Entered level and agent
commission will be in Posted level.
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Fig 11.1
Fig 11.2
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Fig 11.3
Fig 11.4
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Fig 11.5
Fig 11.6
Fig 11.7
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Fig 11.8
11.3 Verification of RD Account Open –

1. Menu: CRDOAACV – Click Go 2. Function : V-Verify 3. Enter the A/c ID:
4. Click Submit One message will come “No DSA attached to this account” if no agent is
attached. Click Ok
11.4 RD Installment Deposit when Account stands at HO/SO –

1. Menu: CRDP – Click Go [See Fig 11.9] 2. Function : A-Add
3. Transaction Type: Select C/NR-Cash Deposit if RD is deposited by cash
Select T/CI- Customer Induced if RD is deposited by POSB cheque/
Other Bank Chque/Transfer from SB account
4. Click Go A new screen will come
5. RD A/c ID: Enter RD account no. and click outside [See Fig 11.10.1 & 11.10.2]
6. Total Amount: Enter installment amount. More than one installment amount can be given. In
case of advance installment deposit also, enter total deposit amount and not the amount after
the rebate or default, if any. Rebate & default fee will be calculated by the system. In case of
discontinued account (6 monthly installments are not paid) the system will show error “Credit
account is in invalid status or Total Frozen”.
No of installment, Transaction amount, Rebate amount and default fee if any will show
automatically on entering the amount. How Rebate is coming, is shown In Fig 11.10.1. How
Default fee is coming, is shown in Fig 11.10.2.
In case of Deposit made by DOP Cheque : i) Mode of payment: Select Cheque option. ii) Enter
Cheque date iii) Cheque Num: Enter Cheque Number iv) Account ID: Enter SB account No of the
cheque. v) Transfer Amount : Enter Transaction amount shown in the above panel. [Fig 11.10.3]
In case of Deposit made by Non DOP Cheque : i) Mode of payment: Select Transfer option
ii) Value date: Enter cheque encashment date. iii) Account ID: SOLID0017 iv) Transfer Amount:
Enter Transaction amount shown in the above panel. [Fig 11.10.4]
[Note: Cheque amount must be equal to transaction amount. Before preparing cheque ensure
the exact transaction amount. Cheque to be lodged in SOLID0017 office a/c. After clearance of the
cheque, office a/c must be checked to see, whether amt credited to this a/c. The whole procedure
must be completed within last payment date of the RD account.]
In case of Deposit made by Account Transfer: i) Mode of payment: Select Transfer option
ii) Account ID: Enter SB account No. iii) Transfer Amount: Enter Transaction amount shown in
the above panel. [Fig 11.10.5]
7. Click Submit, Transaction ID will be generated. [See Fig 11.11]

Note 1: Any RD deposit transaction will be in Entered State. In case of wrong deposit made,
transaction may be deleted using Delete function. After verification of RD deposit transaction,
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amount is posted in ledger and verified as well. So, after the verification the transaction can
not be deleted.
Note 2: If in any RD account, within the deposit period (1-15 or 16-last working day - which is
applicable to the account) more than once, instalment is deposited and total instalment no is
6 or 12, rebate will be shown by the system.
Fig 11.9
Fig 11.10.1 [Screen Shot with Rebate]
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Fig 11.10.2 [Screen Shot with Default fee]
Fig 11.10.3 [Screen Shot of RD deposit by DOP Cheque]
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Fig 11.10.4 [Screen Shot of RD deposit by Non DOP Cheque]
Fig 10.4.5 [Screen Shot of RD deposit by Account Transfer]
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Fig 11.11
11.5 RD instalment deposit verification -
1. Menu: CRDP – Click Go [See Fig 11.12] 2. Function : Post

3.Transaction ID: Enter Transaction ID 4. Click Go 5. Check and Submit [See Fig 11.13]
Fig 11.12
Fig 11.13
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11.6 RD Installment Deposit when Account stands at BO –
1. Menu: CRDP – Click Go [See Fig 11.14] 2. Function : A-Add
3. Transaction Type: Select T/BI – Transfer Bank Induced. 4. Click Go. A new screen will come.
5. RD A/c ID: Enter RD account no. and click outside [See Fig 11.15]
6. Total Amount :Enter installment amount, more than one installment amount can be given
No of installment, Transaction amount, Rebate amount and default fee if any will show.
7. Value date: Enter BO transaction date. [Be cautious about the date]
8. Mode of payment: Select Transfer radio button.
9. Account ID: Branch settlement A/c no (SOLID0339)
10. Transfer Amount : Enter transaction amount figure shown above.
11. Click Submit, Transaction ID will generate.
12. Super to verify the transaction using same menu CRDP. Function – POST.
Fig 11.14
Fig 11.15
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11.7 Standing Instruction –
 SI always initiates from SB Account. From one SB account funds may be transferred to
another SB or an RD account or multiple RD account. It may also be transferred from one SB
account to Multiple SB Account or from Multiple SB account to a Single SB account.
 Standing Instructions (SI) is a facility for the account holders who want to make payments
or remittances of a recurring nature, like transfer of funds, instalments for a recurring
deposit or a loan account and so on.
 Customers may give standing instructions to the Post Office to make payments or
remittances on their behalf on a specified date.
 Customers can give certain conditions, which needs to be satisfied before making these
payments.
 Standing instructions are automatically executed by the system based on certain criteria:
Date, time on which it should occur during the given period.
 A report is available in HFINRPT for generating LOT related to SI on transfers from SB
accounts to RD accounts.
11.8 SB to RD SI Procedure –
1. Menu: HSSIM – Click Go [Fig 11.16] 2. Function – Select A-Add
3. Click Go/ Press F4 A new screen/window will come
4. Enter CIF ID of SB A/c ID (amount will be debited from this account) [Fig 11.17]
Under execution details - Enter SI Frequency, Execution time & Next execution date
5. Select M-Monthly 6. Select execution Date from the list - 15
7. Holiday Select Previous day 8. Execution time –Select After change of date
th
9. Next Execution date: Enter 15 of the next 10. End Date: Enter the last RD installment
execution month (start date of SI) payment date (should be 15th of the month)
11. Click Instruction details Tab/page (Debit option will be selected automatically)
12. Select CCY from Searcher as INR 13. Enter Debit A/c ID (SB A/c No)
[Fig 11.18]
14. Amount type - Fixed 15. Enter Amount
16. Click Add Button 17. Select CCY from Searcher as INR
[Fig 11.19]
18. Enter Credit A/c ID (RD A/c No) 19. Select Credit option
20. Enter Amount type - Fixed 21. Enter Amount
22. Click Validate [Fig 11.20] 23. Submit.
Standing Instruction No will be generated. Note it. [Fig 11.21]
Fig 11.16
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Fig 11.17
Fig 11.18
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Fig 11.19
Fig 11.20
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Fig 11.21
11.9 SB to RD SI Verification –
1. Menu: HSSIM – Click Go 2. Function – Select V-Verify
3. Enter Standing Instruction no. Starting with IN 4. Click Go. A new screen/window will come
5. Visit Instruction details Page & Check the 6. Submit
entries made are correct.
11.10 About Loan/Half Withdrawal against RD

 Only one loan/half withdrawal against RD account would be allowed during the tenure of the
account.
 For loan/half withdrawal against Recurring Deposit, amount not exceeding 50% of the
outstanding balance in the account can be sanctioned minimum after one year of A/c opening
where minimum twelve deposit instalments are collected.
 Loan/Half Withdrawal against RD should be in multiple of Rs. 5 and shall be repaid either in
one lump sum amount or equal monthly instalments.
 The number of loan/Half Withdrawal installments shall not exceed the number of months
remaining for maturity of the account or the post maturity period for which account is
continued
 In case of repayment in one lump sum or equal monthly installments, interest shall be
calculated on the amount of withdrawal for full calendar months from the month of
withdrawal to the month of repayment irrespective of the date on which the amount is
withdrawn or repaid. If the repayment with interest is made on or before 10th of a month, no
interest shall be payable for that month.
 Loan accounts can be opened for Individuals or joint holders based on the RD account mode of
operations.
11.11 RD Loan Account Opening –

1. Menu: CAOLARD – Click Go [Fig 11.22] 2. Enter RD A/c No and click outside.
3. CIF ID of the given RD A/c shown automatically.
4. Scheme code: Select from searcher LARD 5. Click Go. A new screen will come. [Fig 11.23]
6. Loan Amount is shown. Amount can be decreased but can not be increased.
7. Installment frequency : Select Bullet(Lump sum deposit)/Monthly
8. Submit. A message will come to check risk category. Click Ok
Loan A/c no will be generated. This account no is original RD account no. suffixed by 1.
11.12 Verification Of Loan Account Opening –

1.Menu: CAOVLARD – Click Go 2. Function : V-Verify 4. Enter RD loan A/c No.
5. Click Go. 6. Check and Submit
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Fig 11.22
Fig 11.23
Fig 11.24
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11.13 Disbursement of Loan –
If the office is migrated in the middle of the month (i.e. on or after 2nd of the month) “Error
P39” will come at the time of verification of disbursement if the mode of payment is cash. This
error will be thrown only in the month of migration and from the 2nd month cash mode can be
used for repayment or disbursement. In case of Loan Disbursement or Loan Repayment, the value
date will be automatically changed to 1st of the month as interest is calculated from the 1st of the
month for loans. As Cash account of that office will not be available as on 1st (since the office has
migrated in the middle of the month) this error is thrown.
1. Menu: LARDD – Click Go [Fig 11.25] 2. Function : DISBURSEMENT
3. Account number : Enter RD Loan A/c no and click outside. Disbursable amount will be shown.
4. Mode of Disbursement/Reversal: Select Cash/Account transfer. If Account Transfer is
selected enter Credit Account no.(SB A/c no of customer)
5. Click Submit “The selected action executed successfully” message will come.
On Submit, If the error comes “CMSG001058 - Value date is more than the minimum value date
for the account” change the Value date as Open date and Submit again.
Solution for the “error P39”:
“In case of Loan disbursement – Instead of Cash (even if it is below Rs.20,000) select Account
Transfer and show RD Loan Disbursement office account (SOL0323).
Now
 If customer want cheque (use CXFER menu : Debit Office a/c SOL0323 and credit a/c
SOL0340).
 If customer want cash (use CTM menu : Enter Office a/c SOL0323).
 If customer want transfer to SB account (use CXFER menu : Debit Office a/c SOL0323 and
credit SB A/c of customer).
Fig 11.25
Fig 11.25.1
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11.14 Disbursement of Loan Verification –
1. Menu: LARDD – Click Go. [See Fig 11.26] 2. Function : VERIFY
3. Account Number: Enter RD Loan A/c no. Disbursable amount will be shown.
4. Click Submit [if any exception “Error code EC2” is thrown is shown click accept]. “The selected
action executed successfully” message will come. Click OK.
Fig 11.26
11.15 Repayment of loan/part payment of loan –

1. Menu: HLAUPAY – Click Go. [Fig 11.27] 2. Payment type : Payment
3. Select Transaction type : Select Cash 4. Click Go. A new screen will come. [Fig 11.28]
5. Loan A/c ID: Enter Loan Account ID
6. Credit amount: Enter amount to be repaid 7. Click Accept.
Loan calculation will be shown below. [Fig 11.29] If you want to modify the loan amount click on
modify button and reenter the amount. Again click Accept.
8. Click Submit. Transaction ID will be generated. [Fig 11.30]
In case of repayment of loan also the “error P39” will come in case of cash mode, if the
office migrated in the middle of the month (on or 2nd of the month). Avoid cash mode. Use
transfer option and debit customer’s SB account for payment of loan installment. From the 2nd
month (after migration to CBS) onwards cash mode can be used for loan installment payment.
Fig 11.27
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Fig 11.28
Fig 11.29
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Fig 11.30
11.16 Repayment of loan verify –

1. Menu: HLAUPAY – Click Go [Fig 11.31] 2. Function : Verify 3. Enter Transaction ID
4. Click Go. A new screen will come. [Fig 11.32] Check the Adjusted Amt column.
5. Submit. Click Accept when message come transaction posted successfully.
Fig 11.31
Fig 11.32
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Fig 11.32.1
11.17 Closer of loan account –

Step 1: Final payment of loan amount + Loan Interest or only Loan Interest payment
(Remaining Loan Amount if any +Loan Interest)
There may be situation that customer wants to pay both Loan amount and loan interest
when he/she is paying the last installment of loan or there may be situation that only loan interest
payment is outstanding and customer wants to pay it. In both the situation the following
procedure is to apply.
1.Menu: HPAYOFF – Click Go [Fig 11.33] 2. Function : Payoff loan amount

3. A/c ID: Enter Loan Account ID
4. Transaction type: Cash Receipt or Transfer customer induced. If Transfer is selected enter
Customer’s SB A/c ID in Collect/Refund A/c ID
5. Click Go. A new screen will come.
6. Click Create Transaction button. Another screen will come. [Fig 11.34]
7. Click Submit.[Fig 11.35]
A message will come that pay off done successfully click Accept.
Fig 11.33
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Fig 11.34
Fig 11.35
Fig 11.36
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Step 2: Final payment of loan amount + Interest verification
1. Menu: HPAYOFF – Click Go 2. Function : Verify

3. A/c ID: Enter Loan Account ID and 4. Click Go 5. Click Create Transaction button.
6. Click Submit 7. A message will come that “pay off done successfully”. Click Accept
Step 3: Loan account closer
1. Menu: CAACLA – Click Go [Fig 11.37] 2. Function : Z-Close

3. A/c ID: Enter Loan Account ID 4. Click Go
System will display the outstanding if any and throws the errors if the account balances are not
zerorised. [Fig 11.38]
5. Submit. System will give a message that loan account is closed. “Closure of A/c no. Done
successfully” [Fig 11.39]
Fig 11.37
Fig 11.38
Fig 11.39
Step 4: Loan account closer Verification

1. Menu: CAACLA – Click Go 2. Function : Verify 3. A/c ID: Enter Loan Account ID
4. Submit. System will give a message that loan account is closed. “Closure of A/c no. verified
successfully”
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11.18 About RD Account closer –
 RD account closer may have different situations – only in case of normal maturity closer
where PMI also not generated (1 month not elapsed after maturity) – Trial Close is not
required.
 In all other cases Trial closer of RD A/c is mandatory to see the result.
 In case of death claim all the RD accounts stands in the name of the diseased person under
the CIF will be closed. For that death marking in CIF is mandatory. Otherwise system will
not allow closing the RD accounts.
 If any SI exists in the RD accounts, that must be remove also before closing. An error
“Closer pending on SI for the account” will come otherwise.
 If advance deposit is made in an RD account, the same can not be closed even in case of
death claim.
 In case RD closer in cash (below Rs. 20000/-) cash pending transaction (Menu -
HCASHPND) has to be done.
 While closing RD accounts, Counter PA should be very careful. According to rule RD
account can be closed only after 3 years. Finacle will allow closer within LOCK IN period. It
will only through an EXCEPTION. Counter PA should not accept the EXCEPTION thrown.
 In case of maturity date falls on Holiday/Sunday, close the account only on NEXT day. If it is
closed on previous day before Holiday/Sunday, it will be a premature closer and full
interest will not be paid.
 RD account can not be closed if loan is not paid with interest. Lien exists for those RD
accounts which has loan. First loan has to be paid with interest, then it can be closed.
 If only loan interest is also not paid only in migrated account, LIEN is imposed on RD
account. If lien is placed against any RD account- “The withdrawal amount exceeds the
difference between the principal and Lien amount” error may come while closing RD a/c.
Inquire the LIEN amount using HACCBAL/HALM. Remove LIEN amount using HALM after
collecting lien amount from customer.
 If any RD account is modified but not verified, “A time stamp error occurred” will come
while closing the RD account. Verify the account with CRDACM menu then close.
11.19 RD Closer – Normal Matured Account

1. Menu: CRDCAAC – Click Go [Fig 11.40] 2. Function : Z-Close/T-Trial Close
3. A/c ID : Enter RD A/c no. 4. Click Go. New window opens.
5. Click Close Check box. [Fig 11.41] 6. Repayment mode: Select cash/Transfer
7. Select Closer Reason Code from searcher [In case of Normal Closer : Select NORML option ]
8. Repayment A/c ID: If Transfer is selected enter Customer’s SB A/c ID or Postmaster’s Cheque
A/c ID (if customer wants cheque)
9. Click Submit In case of trial closer result of Closer will be shown. HPR menu may be used to
take report. In case of Actual closer account will be closed.
In case of Z-Close (Actual closer)this has to be verified by Super with the same menu CRDCAAC
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Fig 11.40
Fig 11.41
Fig 11.42
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11.20 RD Death Claim Closer –
1. Menu: CRDCAAC – Click Go [Fig 11.43] 2. Function : Z-Close/T-Trial Close
3. Select death claim radio button “Yes” 4. Enter CIF ID and click outside.
Date of death will come automatically (For that use CMRC menu to death mark the CIF first).
5. Click Go. One message will come “Account is eligible for PSS claim. Do you want to proceeed”
6. Click Ok to continue. A new window open with all the RD accounts linked to the CIF
7. Select the first record showing RD account No. [Fig 11.44]
8. Click Close Check box
9. Repayment mode: Select Transfer only [as it is death claim]
10. Repayment A/c ID: If Transfer is selected enter Customer’s SB A/c ID or Postmaster’s
Cheque A/c ID (if customer wants cheque)
11. Select closer reason code from searcher as DTCLM (Death closer).
12. Click Submit. Result will be shown. [Fig 11.45]
This has to be verified by Super with the same menu CRDCAAC
Fig 11.43
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Fig 11.44
Fig 11.45
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11.21 Branch office RD Closer -
1. On receipt of SB7A and Passbook from BO, PA should first invoke Trial Closure for issue of
closing sanction. Same procedure should be followed as being followed for Trial Closure of RD
Accounts standing at SO/HO in Finacle.
2. Enter closing amount in SB7A and after following laid down process of sanction of BO W/D,
Passbook and SB7A should be sent to BO with the direction that sanction is valid only up to
last working day of the month.
3. If customer does not attend BO up to that date, a fresh sanction is to be obtained by BO for
which fresh Trail closure should be invoked.
4. Once paid SB7A signed by customer duly entered in BO daily Account is received at Account
office, following process to be followed by counter PA:-
1. Menu: CRDCAAC – Click Go 2. Function : Z-Close/T-Trial Close
Trial Close and Close procedures are same – T-Trial close has to be done before sending closing
sanction. Z-Close has to be done at Account office (SO), after closer at BO.
Same procedure to be followed in case of RD closer at HO/SO (Normal/Premature/Death claim)
except the following.
3. Repayment mode: Select Transfer only
4. Repayment A/c ID: Enter Branch Settlement office account SOLID0339
This has to be verified by Super with the same menu CRDCAAC Transaction will appear in LOT
and consolidation.
11.22 Deleting SI linked to RD-

1. Menu : HSSIM – Click Go [Fig 11.46] 2. Function – D-Delete
3. Click on the searcher of Standing Instruction Srl. No box if SI srl. no not known.
4. Enter RD account number in A/c ID 5. Enter CIF ID. 6. Click Submit
7. Standing instruction number will be shown. Click it to select.
8. Click Go 9. Details of the SI will show. Visit the Instruction details TAB also and Submit.
10. Verify the deletion with Super. Same menu HSSIM. Function - verify.
Fig 11.46
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Fig 11.47
Fig 11.48
Fig 11.49
Fig 11.50
Fig 11.51
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11.23 Linking and Delinking RD agent from an account-
11.23.1 Linking agent -
1. Menu: CRDACM- Click Go [Fig 11.52] 2. Function - Modify 3. Enter RD A/c ID, Click Go
4. Select Agent/Employee Code: Direct Sales Agent.
5. Click the Sourcing Dealer ID searcher and select from the list or directly type the Agent ID here.
6. Submit 7. Verify the modification with super – Same menu CRDACM. Function- verify
Fig 11.52
11.23.1 De-Linking agent -
1. Menu: CRDACM- Click Go [Fig 11.53] 2. Function - Modify 3. Enter RD A/c ID, Click Go
4. Select Agent/Employee Code: None option.
5. Submit 6. Verify the modification with super – Same menu CRDACM. Function- verify
Fig 11.53
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11.24 Different situations in RD Account closer –
A. Matured RD Closer
I. No loan exists with the account/Loan is already paid fully with interest.
Procedure: CRDCAAC – RD Account closer menu only to be used.
II. Loan (Principal+Interest) is not fully paid.
Procedure:
a) Use menu HPAYOFF to pay outstanding loan principal and loan interest and verify
with the same menu.
b) Use menu CAACLA to close the loan account and verify.
c) Use menu CRDCAAC to close the RD account and verify.
III. Loan principal is paid but Loan interest is not paid.
a. Before migration period loan interest was due to be paid
RD Loan account will not be created if the RD Loan Principal is fully paid. For RD
Loan interest, LIEN will be marked for the corresponding RD account. Before
closure, LIEN amount should be collected from the customer and LIEN to be
removed by invoking the menu HALM. After that close the RD account using menu
CRDCAAC.
b. After migration to CBS, loan taken, principal paid but loan interest is outstanding.
i. Use menu HPAYOFF to pay outstanding loan interest and verify with the
same menu.
ii. Use menu CAACLA to close the loan account and verify.
iii. Use menu CRDCAAC to close the RD account and verify.
B. Premature RD closer (After 3 years)
I. Loan is outstanding
Use CRDCAAC menu to close. No need to repay the loan principal and interest
using HPAYOFF. System will automatically deduct the RD Loan amount and interest will be
calculated on SB Rate of interest as per rule. Loan interest will not be calculated. RD Loan
account balance will become 0 but will not be closed. Loan account with Zero balance
should be remained as it is and not closed.
II. Loan is not outstanding

Use CRDCAAC menu to close.
C. RD Death closer
I. Loan is outstanding
Death marking in CIF using Menu CMRC. Use CRDCAAC menu to close.
II. Loan is not outstanding

Death marking in CIF using Menu CMRC. Use CRDCAAC menu to close.
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11.25 Posting of Reference no. generated in Agent Portal (RD bulk posting) -
 For bulk acceptance of RD deposits from MPKBY Agents/PRSS Leaders, an Agent Portal has
been developed which can be accessed through www.Indiapost.gov.in website.
 Any RD account during opening or after opening can be attached with any MPKBY Agent/PRSS
Leaders. Once account is attached to the agent, deposit cannot be accepted at the counter in
that account unless depositor gives in writing to cancel the attachment with agent.
 During migration, all accounts already attached with a particular agent in Sanchay Post will be
attached with the same agent in Finacle CBS application.
 All MPKBY agents will be issued Login ID and Password to operate Agent Portal.
 When agent logs in to Agent Portal, all live RD accounts attached with the agent will be visible
to the agent. System will generate one Reference number against each List prepared in the
Agent portal.
 When agent comes to the post office with printed List(s) with either cash/POSB Cheque/other
Bank Cheques having Reference numbers against each list, Counter PA will enter the
Reference number printed on the List and will be able to see the List(s) presented.
 Agent commission will be automatically credited into Agent’s savings account after deducting
the TDS on posting of such reference.
1. Menu : HAGTXP– Click Go [ Fig 11.54] 2. Function : M-Modify 3. Enter Agent ID

4. E banking Ref no.: Enter Ref no. from agent’s report or select from the searcher.
5. Click Go. New window will come. [Fig 11.55]. RD installment amount, Default Fee and Rebate if
any, will show at the bottom.
6. Click Post button
7. Super to verify with the same menu. Function - Verify, enter Agent id and Ref no.
If there is any problem in the schedule it will not show in the counter Posting but it will show
when Super will verify. If the whole schedule has error it will reject. If some of the records have
error then it will post only the correct records. Rest of the record will not show while verify by
super. Round the rejected record in the agent schedule and return the cash. Ask the agent to
bring fresh schedule or corrected schedule again.
8. See the report through HPR menu. In HPR select the report “Agent Portal Transaction Status
report”. Print the report. Tally with Agents Schedule.
Fig 11.54
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Fig 11.55
Note : After Posting and verification, agent commission will be credited to the SB account of the
Agent. Counter PA has to check Agents SB a/c for confirmation whether correct agents
commission is credited.
11.26 RD Bulk Posting by DOP and Non dop cheque –

11.26.1 Posting by DOP Cheque –
Agent While preparing the schedule will select payment mode as DOP Cheque.
Cheque details has to be provided also.
At the time posting by HAGTXP every details will be shown. Post.
11.26.2 Posting by Non-DOP Cheque –
Agent While preparing the schedule will select payment mode as Non-DOP
Cheque. Cheque details and bank name has to be provided also.
After clearing of the cheque office account SOLID0017 has to be checked to see
whether amount credited properly before proceed to posting. At the time posting by HAGTXP
every details will be shown. Post.
11.27 RD Extension-
RD Account can be extended for further period of 5 years. If there are pending
installments, extension is not possible. Pending installment can be checked using menu HPLIST.
1. Menu- PRDCM –Click Go [Fig 11.56] 2. Function : Continue
3. A/c ID: Enter Account No Of RD. Scheme will come automatically. 4. Click Go
New window opens. [Fig 11.57]
5. Continuation deposit tenure : Enter 60 6. Click Generate 7. Click Submit
8. Verify the extension with the same menu PRDCM by Super. Function - Verify
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Fig 11.56
Fig 11.57
11.28 Maturity Date Deferment in RD account –

Customer has the liberty to have maximum of 4 defaults on the day of maturity. Maturity
date can be deferred equivalent to the number of defaults using the menu PMDDRD (Maturity
Date Deferment for Recurring Deposit). During the deferred period, defaults deposits can be paid
without default fee. Verify it with super with the same menu.
Fig 11.58
11.29 View Pending Installment in RD -

To view pending installment of RD account HPLIST menu is used.
1. Menu : HPLIST- Click Go
2. From A/c ID & To A/c ID : In both field enter same RD Account No.
3. Enter Start Date & End date 4. Click Go. List will show
On the right side there is some codes written against the entry these are “N”, “D”, “A”, “P”
N => Normal, D=> Default, A=> Advance, P=> Pending
11.30 PRSS Bulk List Posting –

Bulk List Creation option available in Agent Portal can be used by PRSS agents to generate bulk list
Menu for posting Bulk PRSS is CPAGTXP.
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SECTION -12 PUBLIC PROVIDENT FUND (PPF)
12.1 About Public Provident Fund Account (PPF)
 Investment option for both salaried as well as self employed classes.

 Non-Resident Indians (NRIs) are not eligible.
 The PPF account can be opened in a Post Office which is Double handed and above.
 An individual can open account with INR 100/- but has to deposit minimum of INR 500/- in
a financial year and maximum INR 1,50,000/-
 Joint account cannot be opened.
 Account can be opened by cash/cheque and In case of cheque, the date of realization of
cheque in Govt. account shall be date of opening of account.
 The subscriber can open another account in the name of minors but subject to maximum
investment limit by adding balance in all accounts.
 With effect from August, 2014 a minimum of Rs.500.00 subject to a maximum of Rs.1.50
lakh per annum may be deposited. The subscriber should not deposit more than Rs.1.50
lakh per annum as the excess amount will neither earn any interest nor will be eligible for
rebate under Income Tax Act. The amount can be deposited in lump sum or in a maximum
of 12 installments per year.
 From 01.04.2016 interest rates is 8.10% per annum.
 Loan facility available from 3rd financial year up to 5th financial year. The rate of interest
charged on loan taken by the subscriber of a PPF account on or after 01.12.2011 shall be
2% p.a. However, the rate of interest of 1% p.a. shall continue to be charged on the loans
already taken or taken up to 30.11.2011.
 Withdrawal permitted in every year from 7th financial year from the year of opening
account. Free from court attachment.
 DURATION OF SCHEME - Original duration of the scheme is 15 years. Thereafter, on
application by the subscriber, it can be extended for 1 or more blocks of 5 years each
within one year of maturity.
 Maturity value can be retained without extension and without further deposits also.
 Premature closure is not allowed before 15 years.
 Deposits qualify for deduction from income under Sec. 80C of IT Act.
 Interest is completely tax-free.
 An individual cannot invest on behalf of HUF (Hindu Undivided Family) or Association of
persons.
 Nomination facility is available in the name of one or more persons. The shares of
nominees may also be defined by the subscriber.
 The account can be transferred to other branches/ other banks or Post Offices and vice
versa upon request by the subscriber. The service is free of charges.
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12.2 PPF Account Opening – PPF Account will be opened without funding.
1. Menu: CPPFAO – Click Go [Fig 12.1] 2. Enter CIF ID 3. Scheme code: Enter or Select PPF
4. Click Go. 5. A message will come “Please check the Risk Category of the customer for KYC
purpose” Click OK. A new window will come. [Fig 12.2]
All the data of the customers as per the CIF id will get populated
5. Select The mode of operation – Use searcher to select 012 only (PFF is a single account)
Withdrawal start date will be shown Maturity date will be shown
6. Accounts Documents Received : Yes 7. Number of documents received – Enter 1 ( as only
PPF AOF has been submitted by customer)
8. Select document code from Searcher(016) 9. Enter Document Date (Press Ctrl+X for current date)
10. Scan Details : Select Scan not required 11. Documents Status: Sent To CPC
12. Select Nomination “Yes”. Note on AOF. [Fig 12.3] 13. Enter CIF ID of nominee if available.
14. Select relationship from searcher 15. Select country as IN/INDIA
16. Enter Nominee Pct. (100 in case of single nominee) In case of more than one nominee enter
percentage as declared by customer. [Nominee Pct. => Nominee Percentage]
14. Submit , PPF A/c ID will be generated, Note down the No. on AOF [Fig 12.4]
Fig 12.1
Fig 12.2
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Fig 12.3
Fig 12.4
12.3 PPF Account Opening Verification –

1. Menu: CPPFAV – Click Go 2. Function - Verify 3. Account ID : Enter PPF A/c No
4. Click Go 5. Check and Submit
12.4 Funding of PPF/Repayment –

1. Menu: CPDTM – Click Go [[Fig 12.5 & 12.6] 2. Function : A-Add
3. Transaction Type: If Transaction is by Cash Select Cash Normal receipt.
If Transaction is by SB A/c transfer or by cheque Select Customer Transfer.
4. Type: Select Normal Contribution 5. Click Go. A new window will come. [Fig 12.7]
6. Account No. (Cr.): Enter PPF account no. and click outside.
7. Account No. (Dr.): Enter SB A/c ID (in case of transfer from SB a/c) or enter Office account
SOL0017 in case of deposit by cheque subject to realization of the cheque. [See *Note below]
[Account No.(Dr.) will be disabled if Cash Normal receipt is selected]
8. Ref CCY/ Amount: Enter amount. 9. Value date: In case of deposit by cheque, enter
cheque realization date here.
10. Click Submit, Transaction ID will generate. Note it on the voucher. [Fig 12.8]
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*Note: After realization of cheque, office account SOL0017 to be checked by the HACLINQ menu
to see cheque amount credited properly. Only after realization of the cheque, PPF account can be
funded.
Fig 12.5
Fig 12.6
Fig 12.7
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Fig 12.8
12.5 Verification of PPF Funding/repayment –

1. Menu: CPDTM – Click Go [Fig 12.9] 2. Function - Verify 3. Enter Transaction ID:
4. Click Go 5. Check and Submit [Fig 12.10 & 12.11]
Fig 12.9
Fig 12.10
Fig 12.11
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12.6 Part withdrawal from PPF account –
Applicable from 7th Financial Year. For example if an account is opened on 26-12-
2013. 1st withdrawal is permissible from 01-04-2019.
26-12-2013 to 31-03-2014 - 1st Fnancial year 01-04-2014 to 31-03-2015 – 2nd Financial year
01-04-2015 to 31-03-2016 – 3rd Fnancial year 01-04-2016 to 31-03-2017 - 4th Fnancial year
01-04-2017 to 31-03-2018 - 5th Fnancial year 01-04-2018 to 31-03-2019 - 6th Fnancial year
01-04-2019 to 31-03-2020 - 7th Fnancial year
1. Menu: CPWTM – Click Go [Fig 12.12] 2. Function : A-Add

3. Tran Type/Sub Type: Select Cash Normal Payment in case of cash payment.
Select Customer Transfer in case of SB A/c transfer.
4. Type: Select Normal Withdrawal 5. Click Go. A new window comes. [Fig 12.13]
6. Account No. (Dr.): Enter PPF account no. and click outside.
7. Account Number (Cr.): Enter SB A/c No [in case of transfer the amount to SB A/c].
8. Ref CCY/ Amount : Enter amount.
9. Click Submit, Transaction ID will generate. Note on the voucher.
Fig 12.12
Fig 12.13
12.7 Part withdrawal from PPF Account - Verification –

1. Menu: CPWTM – Click Go 2. Function - Verify 3. Enter Transaction ID:
4. Click Go. New screen will come with details of transaction. 5. Check and click Submit
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12.8 About Loan against PPF –
 A Subscriber of PPF Account shall not be entitled to get a fresh loan till the earlier loan is fully
repaid along with interest. Loan can be granted only when the PPF account is between 3rd
financial year and 5th financial year from the PPF account open date. For example: PPF A/c
date:30thJune2012. Loan can be granted starting 1st Apr, 2014 till 31st March 2018.
 Loan accounts can be opened only for Individuals, joint holders not allowed.
 After the principal of the loan is fully repaid, interest to be paid, in not more than two monthly
installments.
 For loan against PPF, amount not exceeding 25% of the balance amount that stood to his
credit at the end of the second year immediately preceding the year in which the loan is
applied for.
 Interest is charged at the rate of 2% if repaid within 36 months and at 6% on the outstanding
loan after 36 months.
12.9 PPF Loan Account Opening –

1. Menu: CLPPFAO – Click Go. [Fig 12.14] Function –Open(default) 2. Enter the CIF ID
3. Enter PPF Account No. Scheme code: LNPPF (by default come)
4. Click Go. A new window will come [Fig 12.15]
5. Select opening mode as Normal/Transfer in
6. Disbursement type : Cash/Transfer. If transfer is selected enter Disb credit acct – SB A/c of
customer.
7. Sanction Limit: Enter sanctioned Loan amount.
8. Click Submit.
9. PPF Loan a/c ID will be generated. It will be PPF A/c no. suffixed by 1.
Fig 12.14
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Fig 12.15
12.10 PPF Loan Account Opening Verification –

1.Menu: CLPPFAOV – Click Go 2. Function : V-Verify 3. Enter PPF Loan A/c ID- Click Go
4. Check and Submit.
12.11 PPF loan Disbursement –

1. Menu: CPWTM – Click Go [Fig 12.16] 2. Function : A-Add
3. Tran Type/Sub Type: Select Cash Normal Payment in case of cash payment. Select Customer
Transfer for transferring the amount to SB Account of customer.
4.Type: Select Loan Disbursement 5. Click Go
A new window comes. [Fig 12.17] 6. Account No. (Dr.): Enter PPF account no. and click
outside.
7. Account Number (Cr.): Enter SB A/c No of customer to transfer the amount if customer
transfer is selected earlier.
8. Ref CCY/ Amount : Enter amount.
9. Click Submit, Transaction ID will generate. Note on the voucher.
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Fig 12.16
Fig 12.17
12.12 PPF loan Disbursement Verification –

1.Menu: CPWTM – Click Go 2. Function : A-Add 3. Tran ID: Enter Tran ID
4. Click Go. 5. In the next screen check and Submit.
12.13 Repayment of loan/interest –

1. Menu : CPDTM -Click Go [Fig 12.18] 2. Function –ADD.
3. Type : Loan Principal Repayment/ Loan 4. Tran Type/Sub type: Select Cash Receipt/
Interest Repayment (as the case may be) Customer transfer.
5. Click Go. New window comes. [Fig 12.19] 6. A/c ID (Cr.): Loan account ID of PPF
7. A/c ID(Dr.): SB a/c of customer 8. Ref/CCY Amount: Enter amount.
(if customer transfer selected as Tran type)
9. Click Submit. Note Tran ID.
12.14 Repayment of loan/interest Verification –

1. Menu : CPDTM 2. Function – Verify. 3.Tran ID: Enter Tran ID
4. Click Go 5. In the next screen Click Submit.
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Fig 12.18
Fig 12.19
12.15 Closer of PPF account –

 There is no need to make the balance as zero before closure in PPF accounts.
12.15.1 PPF Closure (without loan) –
On invoking the HCAAC menu Interest for current financial year will be calculated and
posted in the PPF account.
1.Menu : HCAAC– Click Go [Fig 12.20] 2. Function : Z-Close 3. Account ID : Enter PPF A/c No
4. Balance : Check Transfer box if balance is there or
Uncheck Transfer box if balance is zero.
5. Transaction type : Select cash or transfer if balance transfer box is checked.
6. Transfer A/c ID: SB A/c or Postmasters cheque account if transfer selected in transaction type
7. Click Go. New window opens [Fig 12.21] 8. In the next screen Click on Closer TAB.
9. Enter or Select Reason code from searcher (NORML or DTCLM as case may be) [Fig 12.22]
10. Click Submit, A system generated Transaction ID starting with “S” may be shown. Note Tran
ID. In Counter PA login, in HTM – Modify function, this Tran ID is to be posted. In Supervisor login,
in HTM, this System generated Tran ID starting with “S” is to be verified. After verification of the
transaction ID, using HCAAC menu, the closure has to be verified by Super.
 If the Tran ID is not noted it can be found by using HFTI menu.
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Fig 12.20
Fig 12.21
Fig 12.22
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12.15.2 PPF Closure (with loan) –
1. Counter PA has to invoke CPDTM menu and 2. Supervisor has to verify the transaction in
Loan Principal Repayment has to be done. CPDTM menu.
3. CLPR menu has to be invoked by Supervisor 4. Then, HACINT is to be invoked by CEPT team
for processing loan account. (at present). On invoking this, the interest for
a) Function: Process loan account is calculated and posted in PPF
b) A/c No: Enter PPF Loan Account ID loan account.
c) Click Go
d) Click Submit.
5. If the PPF account is not a matured account. 6. If the PPF account is a matured account. The
The loan interest has to be paid through loan interest has to be recovered through
CPDTM menu again. CPWTM menu.
7. Closure of loan account has to be invoked 8. Closure has to be verified by Supervisor using
using HCAAC by counter PA. HCAAC menu.
9. For closing PPF account, the procedure for closure of PPF account without loan has to be
followed.
12.16 Verification of Closer of PPF account –

1.Menu : HCAAC– Click Go 2. Function : V-Verify 3. Account ID : Enter PPF A/c No
4. Submit 5. Visit Closer Tab 6. Submit
12.17 Extension of PPF –
 PPF Account can be extended when the account is completed the 15 financial years from
the date of opening.
 PPF account can be extended for 5 years.
1. Menu : HCEXTN - Click Go [Fig 12.23] 2. Function : E-Extend

3. Enter Account number of PPF and Click outside. Maturity date and 4. Click Submit
depositor’s name, will be shown.
5. Verify the extension with Super – Same Menu HCEXTN, Function – Verify.
Fig 12.23
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SECTION -13 SUKANYA SAMRIDDHI ACCOUNT (SSA)
13.1 About Sukanya Samriddhi Account –

Information as per SB Order 03/2016
 Rate of interest 8.6% Per Annum (w.e.f 01-04-2016).

 Minimum INR. 1000/- and Maximum INR. 1,50,000/- in a financial year. Subsequent deposit
in multiple of INR 100/-. Deposits can be made in lump-sum. No limit on number of deposits
either in a month or in a Financial year.
 A legal Guardian/Natural Guardian can open account in the name of Girl Child.
 A guardian can open only one account in the name of one girl child and maximum two
accounts in the name of two different Girl children.
 Nomination facility is not available in this account.
 Account can be opened up to age of 10 years only from the date of birth.
 If minimum Rs 1000/- is not deposited in a financial year, account will become discontinued
and can be revived with a penalty of Rs 50/- per year with minimum amount required for
deposit for that year.
 Deposit in an account may be made till the completion of 15 years, from the date of opening
of the account only. For example if a/c is opened on 13.05.2014, deposit can be made up to
12.05.2029 only.
 Partial withdrawal, maximum up to 50% of balance standing at the end of the preceding
financial year can be taken after Account holder’s attaining age of 18 years or passing 10th
standard whichever is earlier. Only one withdrawal can be made in a financial year subject to
maximum 5 withdrawals.
 The Account shall mature on completion of 21 years from the date of opening of the
account. Account can be closed after completion of 21 years.
 If the account is not closed after maturity, balance will not continue to earn interest.
 Normal Premature closer will be allowed after completion of 18 years /provided that girl is
married.
 In case of premature closer due to death of the account holder (Girl child), account shall be
closed. The guardian will be paid the balance with interest up to death of date only.
13.2 SSA Account Opening in Finacle –

1. If Guardian is not having CIF in Finacle, a new CIF has to be created for the guardian.
2. For opening of account in the name of Minor, a new CIF (if not already exists) in the name
of girl child has to be opened. User has to be sure that Birth Certificate of minor is given
and date of birth of minor should not be earlier than 2.12.2003 as system will not validate
this date.
3. For opening of account use Menu – CPPFAO
4. CIF ID of minor is to be entered in CIF ID field.
5. In Scheme Code field SSA has to be entered. This is mandatory and needs to be done very
carefully. The procedure is same as PPF account opening.
6. After opening of account, account number has to be noted down on the Pay-in -Slip and
Supervisor will use same menu CPPFAO (Verify option) and enter the account number as
written on the Pay-In-Slip. Do not search account number from searcher.
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Fig 13.1
13.3 First Deposit & Subsequent Deposit made in SSA Account in Finacle –
1. After verification, Account will be ready for funding. User will use CTM for entering first
deposit. Please ensure that first deposit should not be less than Rs.1000/- and if amount
tendered is more than Rs.1000/- it should be in multiple of Rs.100/- as system will not
validate this amount.
2. Supervisor should verify in CTM and ensure that amount entered in not less than
Rs.1000/-.
3. If First Page of Passbook is not getting printed by the Finacle, it can be prepared manually
but transaction page will be get printed from Finacle.
4. At the close of the counter hours, List Of Transactions has to be prepared using menu
HACSP menu. Print from HPR.
5. Total Deposit in SSA should be entered in SB Cash which will be uploaded in Cash Book.
6. A register of account opened under SSA is to be maintained in manuscript showing
Sl.No.(in continuation), Date of opening, Account Number, amount of deposit.
7. Subsequent deposit can also be accepted through CTM by following same procedure as
mentioned for funding of account.
8. While doing subsequent deposit, User and Supervisor has to ensure that subsequent
deposit should be in multiple of Rs.100/- and total deposits in the account should not
exceed Rs.1,50,000/- in a Financial Year as system will not validate these rules.
9. No withdrawals allowed in this account. Therefore, user and supervisor should not allow
any withdrawal. Withdrawals from this account is subject to certain criteria.
10. AOF and KYC documents with birth certificate should be preserved in separate guard file
and should not be sent to CPC till further orders.
11. In case of Branch office transaction CXFER menu has to be used to do SSA transaction. In
this case Dr. A/c ID will be Branch Settlement A/c of the SOL(SOL0339) and Cr. Account ID
will be the SSA Account ID. Value date will be the date of transaction at Branch Office.
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SECTION -14 NSC & KVP
14.1.1 About National Saving Certificate (NSC)
 Scheme specially designed for Government employees, Businessmen and other salaried
classes who are Income Tax assesses.
 No maximum limit for investment.
 No Tax deduction at source.
 Certificates can be kept as collateral security to get loan from banks. The issuing Post Office
will Freeze the account. There is a provision to mark freeze on such Certificate account in
Finacle. The possession of NSCs will be with the advancing bank.
 Investment up to INR 1,00,000/- per annum qualifies for IT Rebate under section 80C of
Income Tax Act.
 Trust and HUF cannot invest.
 Rate of interest 8.10%.
 NSCs are available in the denominations of 100, 500, 1000, 5000 & 10000.
 Maturity value of a certificate of INR.100/- purchased on or after 1.4.2016 shall be INR.
147.61 after 5 years.
 A single holder type certificate can be purchased by, an adult for himself or on behalf of a
minor or by a minor.
 The interest accruing annually but deemed to be reinvested under Section 80C of IT Act.
 In case of NSC VIII and IX issue, transfer of certificates from one person to another can be
done only once from date of issue to date of maturity.
 At the time of transfer of Certificates from one person to another, old certificates will not
be discharged. Name of old holder shall be rounded and name of new holder shall be
written on the old certificate and on the purchase application(in case of non CBS Post
offices) under dated signatures of the authorized Postmaster along with his designation
stamp and date stamp of Post office.
14.1.2 About Kisan Vikas Patra (KVP) –

 Amount Invested doubles in 110 months (9 years & 2 months)
 Available in denominations of Rs 1,000, 5000, 10,000 and Rs 50,000. Minimum deposit Rs
1000/- and no maximum limit.
 Certificate can be purchased by an adult for himself or on behalf of a minor or by two
adults.
 KVP can be purchased from any Departmental Post office.
 Facility of nomination is available.
 Certificate can be transferred from one person to another and from one post office to
another.
 Certificate can be encashed after 2 & 1/2 years from the date of issue.
14.2 NSC/KVP Account Opening –

 25 certificates under one Registration number are issued in Finacle.
 In Finacle each Certificates will have One CIF, One Registration No., One Account No. and
one Certificate No.
 While opening NSC/KVP account the transactions will be in Entered stage and agent
commission will be in Posted stage. If any mistake done regarding agent contact CPC. Do
not try to rectify it yourself.
 Before doing NSC/KVP transactions ensure that
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a. If mode of payment is Transfer from SB Account, Check Required Fund is available in
the SB account using the Menu HACLI/HACCBAL.
b. If mode of payment is Non DOP Cheque, Check the Cheque is realized and Office
Account SOL0382 is credited properly using the Menu HACLINQ.
c. NSC/KVP Stock is available to the counter using the Menu HIIA.
1. Menu: CSCOAAC – Click Go [Fig 14.1] 2.Enter the CIF ID

3. Select Product Type: NSC8/KVP 4. Click Go. A new window will come.
All the data of the customers as per the CIF id will get populated. [Fig 14.2]
5. Value date: Enter Cheque encashment date if open by Non DOP cheque. [ignore otherwise]
6. Mode of operation – Enter 012/016/017 etc. or use searcher to select.(as applicable)
7. Total Deposit Account: Enter total investment amount.
8. Denomination Amt : Select from the list Rs.10000/5000/1000 etc.(as applicable)
9. No. of Units: Enter number of certificate (as applicable)
10. Click ADD New button to insert. [ click Add New button each time for each denomination]
11. Transaction type: Select Cash or Transfer option. (as applicable)
12. In case of fund transfer from SB A/c, Select Transfer & enter Debit A/c ID as SB A/c ID of
customer.
12. In case of A/c open by Non DOP Cheque, Select Transfer & enter Debit A/c ID as SOL0382
office account here after checking the credit amount in this office account by HACLINQ menu.
12. In case of A/c open by DOP cheque, Select Transfer & Enter SB Account no of the cheque. If
Account is opened by DOP cheque only, enter the following three information. Do not enter
anything if it is a Non DOP cheque.
13. Enter Instrument No 14. Enter Instrument Type . 15. Enter Instrument date
16. Enter DSA info: Select Agent Option if agent is attached.
17. Select agent name from searcher in case of real time situation if there is any Agent attached.
18. Click the Document details check box. 19. No of Document received : Enter 1(AOF)
20. Enter Document Code – Select 116(NSC) or Select 117(KVP) 21. Enter Document date
22. Scan details : Scan not required 23. Document Status : Sent to CPC by counter
24. Enter Related Party details 2, If the mode of operation is 016/017(joint account).
Same as explained in case of SB Account opening
25. Nomination : Same as explained in case of SB Account opening
26. Click Submit. A message will come “Have you checked the Risk Category of this Account”,
Click Yes. Registration No. will be generated, Note down the No below. [Fig 14.3 & 14.4]
Fig 14.1
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Fig 14.2
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Fig 14.3
Fig 14.4
14.3 Modification before verification -

( Before Verification by Super, PA may modify the new NSC/KVP A/c opened by him)
1. Menu: CSCOAACM – Click Go 2. Function : M-Modify 3. Enter Registration No. – Click Go
4. Modify the required field. Only Mode of operation (Self/joint) & 5. Click Submit.
Nomination details can be changed.
14.4 Verification of new NSC/KVP Account –

(Verify the newly opened A/c – By Supervisor)
1. Menu: CSCOAACV – Click Go. [Fig 14.5] 2. Function : V-Verify

3. Enter Registration No. – Click Go. New window will come.
4. Check all the entries 5. Click Submit if everything is made correct
6. System will show verified A/c ID and Tran ID. Note on AOF [Fig 14.6]
Fig 14.5
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Fig 14.6
14.5 Certificate Printing –

 Printing of Certificate is Mandatory – Printing may be on original certificate (If good
Laser Printer available), blank paper(Laser printer or dot matrix printer) or save to file. If
nothing is available false print should be done at least.
 On printing of Certificate
1. Stocks get deducted from counter stock.
2. Certificate Number is attached to Account Number & Registration No. of the certificate.
1. Menu: HDRP – Click Go. [Fig 14.7] 2. Enter Scheme code or select from searcher.
3. Either Enter CIF of the certificate or
4. Enter From A/c ID and To A/c ID. In case of single A/c both From and To A/c ID are same.
5. Click Go. A new window comes. [Fig 14.8]
6. All the entries for a particular scheme will be selected and will be shown. Click Accept.
7. First entry will show certificate no. taking from stock. Click Submit
A new window comes. [Fig 14.9] 8. Click Print [Fig 14.10] 9. Click Print [Fig 14.11]
10. Click Proceed. 11. Next certificate nos will be shown also. Click print and proceed until all
[Fig 14.12] the certificates (in the example here it is 4) are printed. At end Click Ok.
Fig 14.7
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Fig 14.8
Fig 14.9
Fig 14.10
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Fig 14.11
Fig 14.12
Fig 14.13
14.6 Modification of existing NSC/KVP account –

1. Menu: CSCACM – Click Go 2. Function : M-Modify
3. Product Type: Select NSC/KVP
3. Enter Account no. – Click outside Registration No. will populate automatically. Click Go
4. Modify the required field. Only Mode of operation and Related Party details (Single to joint or
Joint to single) and Nomination can be changed.
5. Click Submit
Verification has to be done by a Supervisor with the same menu CSCACM. Function-Verify.
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14.7 About NSC/KVP Account closing –
 NSC/KVP may be closed in bulk or it may be closed individually one certificate at a time. In
case of bulk closer there are certain criteria.
 Trail closer is done in case of Premature and matured certificate or in case of death claim.
 No separate Trial closer function available. TD/MIS closer menu HCAACTD may be used to
trail close a certificate. But Trial closer of each certificate has to be done individually.
14.8 NSC/KVP Account closing [Bulk] –

 To discharge all certificates issued under one registration no. on the same day.
 Only matured certificate can be discharged. Premature closer is not possible.
 Death claim is also not possible using this menu.
 50 certificates can be discharged at a time under one registration. If there are more than
50 certificates under one Registration, this menu has to be run more than one time.
 Mode of payment is only transfer. Cash payment is not possible by bulk closure option.
Customer must have a SB account to transfer the maturity value. If the customer doesn’t
have an SB account, matured value has to be transfer to Post Masters Cheque account
(SOL0340) to issue cheque.
 Before proceeding, CIF ID of the Certificates are to be noted from the Sanchaya post –
Finacle mapping pdf file or using CNAC menu (if the certificates were issued before
migration).
 Check thoroughly all the certificates under the registration number are presented by the
customer.
 Bulk closer should not be used, when the link is poor. It may fail or certificates may be
partially closed. That is some of the certificates under the registration number is not
closed.
1. Menu: CNSBCV-Click Go [Fig 14.14] 2.Function : Z-Close 3. Select Product type NSC/KVP
4. Enter CIF ID 5. Click the searcher next to Registration No. and select the Reg no. from list.
6. Enter the customer’s SB A/c no. or Postmaster cheque account 7. Submit
no.(SOL0340) as the case may be.
7. Menu HPR has to be invoked to see NSC/KVP bulk closer Success or failure report (after few
minutes). [Fig 14.15 & 14.16]
Supervisor to verify the same using same menu CNSBCV. [Fig 14.17]
Fig 14.14
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Fig 14.15
Fig 14.16
Fig 14.17
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Note: While doing the bulk closer if some certificate under the registration is not closed – use
individual closer Menu CSCCAAC to close those certificates and verify them using the same
menu.
14.9 NSC/KVP Account Closing [Individually-one at a time] –

1. Menu: CSCCAAC – Click Go [Fig 14.18] 2. Function : Z-Close
3. Product Type: Select NSC/KVP 4. Enter CIF ID of the NSC/KVP to be discharged.
5. Click on Searcher button near Registration no. All the Registration numbers, Account ID, SOL
ID, Certificate number of the certificates under the CIF will show.
6. Click the Registration number against the Certificate No. to be closed.
7. In case of Death claim change the Closer Value date to Date of Death.
9. Click Close Check Box. 10. Repayment mode: Select Cash or Transfer
11. If Transfer is selected enter Repayment A/c ID as SB A/c of Customer if customer wants to
transfer maturity value to his/her SB Account.
If customer wants cheque, enter Repayment A/c ID as Post Masters Cheque Account (SOL0340)
and issue cheque.
12. Enter Closer reason (In case of Maturity: Select Normal Closer - NORML)
code or Select From (In case of Death: Select Death claim – DTCLM)
searcher. (In case of forfeiture : Select FORFT) etc.
13. Click Submit.
14. A message will come “Please confirm this is a actual closer and not a trial closer” Click Yes to
complete the transaction. [Fig 14.20]
Fig 14.18
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Fig 14.19
Fig 14.20
Fig 14.21
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14.10 NSC/KVP Account Closing Verification [Individually-one at a time] –
1. Menu: CSCCAAC – Click Go [Fig 14.22] 2. Function : V-Verify

3. Enter CIF ID of the closed certificate.
4. Click on the searcher next to Registration Number and select the record by clicking on the
registration number.
5. Click Go 6. Click Close Check Box. [Fig 14.23] 7. Click Submit [Fig 14.24]
A message will come “Please confirm this is a actual closer and not a trial closer” 8. Click Yes
Fig 14.22
Fig 14.23
Fig 14.24
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Cash payment (below rs. 20,000/-) of NSC/KVP involves two more steps –
1. Payment by PA
1.Menu: HCASHPND – Click Go 2. Function – Process

3. A/c ID: Enter NSC/KVP A/c No. 4.Click Go A new screen will come
5. Click on Srl No. 00001/00002 etc. 6. Click Post, an exception may come. Click on
( which is applicable to this transaction) Accept. Transaction ID to be noted
2.Verification By SUPER
1.Menu: HTM – Click Go 2. Function – Verify 3. Enter Transaction ID – Click Go

4. Check and Submit
14.11 Duplicate Certificate Print-

Menu for duplicate certificate is only available for Postmaster of HPO. Duplicate certificate
printing can be done by Postmaster by taking proper certificate stock. Before printing duplicate
certificate correctness of the certificate allotment can be checked using CSCAM menu and by
selecting Inquire function.
Certificate holder can apply for issue of duplicate certificates only at the CBS post office
from where, certificates were issued. Process of issue of duplicate certificates should be started
and completed by that CBS Post Office only.
Procedure –
1. Move the inventory of Duplicate Certificates (if available) of same scheme to the Postmaster of
HO’s User id from which duplicate certificate is getting printed (From ZZ/EXT to DL/DL and from
DL/DL to Postmasters ID). Otherwise, fresh certificates will be taken from the existing inventory.
2. Use the menu HDUDRP and provide details like account number /cif id for which certificate is
getting printed.
3. HDUDRP will take the current inventory i.e either normal or duplicate certificates which is
available with the user.
4. If certificates are actually printed through printer, the user is able to see the word “DUPLICATE”
on the certificates. If certificates are not printed then a Rubber Stamp of “Duplicate” should be
placed on the certificates where normal certificates are used.
5. After this, new certificate number will be available under the account number. Use CSCAM
menu and Function-Inquire to confirm that new certificate numbers are replaced with lost
certificates.
6. If the any holder/customer come with old certificates, while closure, system will not those
certificates in the closure menu.
7. Old certificate number will not be reflected in the system and user can’t be able to close the
account.
1. Menu: HDRP – Click Go. [Fig 14.25] 2. Enter Scheme code or select from searcher.
3. Enter CIF of the certificate
4. Enter From A/c ID and To A/c ID. In case of single A/c both From and To A/c ID are same.
6. All the entries for a particular scheme will be selected and will be shown. Click Accept.
7. First entry will show certificate no. taking from duplicate stock. Click Submit [Fig 14.27]
A new window comes. [Fig 4.28] 8. & 9. Click Print The word “Duplicate” can be seen.
10. Click Proceed. [Fig 14.29] 11. Next certificate no. will be shown also if any. Click print
and proceed until all the certificates are printed. At end Click
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Ok.
Fig 14.25
Fig 14.26
Fig 14.27
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Fig 14.28
Fig 14.29
Fig 14.30
14.12 Pledging of Certificate – See General Issue Section
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SECTION -15 NSS & OTHER DISCONTINUED SCHEME
15.1 About Discontinued Scheme –
Both Principal and Interest amount is either to be paid by Postmaster Cheque or Credit into
savings account. No cash payment should be made.
The procedure for payment of principal amount of discontinued schemes to be followed is :
 Invoke HTM in counter PA login.
 Select the relevant office account as Debit account and enter the old registration number
or old account number in Ref.No. column in the main screen.
 Select 'A - Additional Part Transaction Details'. Click on Go button.
 In 'Transaction Maintenance - MinorSubsidiaries Details' screen, don't enter anything in
Start amt field and End amt field. In Ref.No. , enter the old Registration number or old
account number.
 In Filter, select 'U - Unresponded' and click Go button.
 Then, the details will be displayed. Select the record.
 Click on Accept. The main HTM screen will back.
 For payment through Postmaster Cheque, In HTM screen, click on ADD and then select
‘Credit’ option.
 In A/c ID field enter Postmaster Cheque account - SOLID0340.
 Click Contra button. Amount will show. Click Post.
 For credit into Post Office Savings Account, In HTM screen, click on ADD and then select
 In A/c ID field enter the SB account number if customer is having any SB account in any CBS
Post Office.
 Supervisor has to verify this transaction and Discharge Journal has to be prepared manually.
 Amount paid can be verified from Office Account LOT or Discontinued Scheme LOT.
The procedure for payment of interest amount of discontinued schemes to be followed is:
 Calculate Interest amount manually.
 Invoke HTM in counter PA login.
 Select the relevant office account as debit account and enter the old registration number
or old account number in Ref.No. column in the main screen.
 Select 'A - Additional Part Transaction Details'. Click on Go button.
 In 'Transaction Maintenance – Minor Subsidiaries Details' screen, enter amount of interest
calculated manually in Start amt field and End amt field. In Ref. No. enter the old
registration number or old account number. Click Go button.
 In the next screen the amount will be shown. Click Accept. The main HTM screen will back.
 For payment through Postmaster Cheque, in HTM main screen, click on ADD and then
select ‘Credit’ option.
 In A/c ID field enter Postmaster Cheque account - SOLID0340.
 For credit into Post Office Savings Account, In HTM screen, click on ADD and then select
 In A/c ID field enter SB a/c number of customer.
 Supervisor has to verify this transaction and Discharge Journal has to be prepared manually.
 Amount paid can be verified from Office Account LOT or Discontinued Scheme LOT.
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15.2 NSS87 Payment -
If withdrawal amount is less than 2500 and mode of payment is cash
1. Unfreez the account using HAFSM Menu and verify using same menu by Super.
2. Use CTM Menu to withdraw and verify with the same menu by Super.
3. Freeze the account again using HAFSM Menu and verify the freezing process by super.
If withdrawal amount is less than 2500 and mode of payment is Transfer
1. Unfreez the account using HAFSM Menu and verify using same menu by Super.
2. Use CXFER Menu (Dr. NSS A/c and Cr. SB A/c ) to withdraw and verify with the same
menu by Super.
If withdrawal amount is 2500 or more than 2500 and 15G/15H is not submitted
1. See TDS amount by giving HACLI Menu. It may take 10-15 minutes to calculate interest and
TDS.
2. If any TDS to be collected then use the menu HCACC Menu. Verify it with the same menu
by Super.
3. Now withdraw by CTM (cash) or CXFER (transfer) Menu and the same to be verified by
Super.
If withdrawal amount is 2500 or more than 2500 and 15G/15H is submitted

1. Modify the account using CASBAM Menu. Select 15G/15H submitted status “Yes”
2. Verify the account using CASBAM Menu by Super.
3. Use CMRC menu and Function – Inquire to see the TDS Table code is “NOTAX”. If not
make it NOTAX using the same menu but Function- Modify. Verify it with the same menu.
4. Use CTM (cash) or CXFER (transfer) Menu to withdraw cash. Verify it with Super with the
same menu.
15.3 NSS87 Closer -

1) Use HCACC Menu to collect TDS if applicable.
2) If 15G/15H is submitted –
i) Modify CIF using Menu CMRC to enter PAN information if not given and check TDS
table code is selected “NOTAX”. Verify the modification using same menu.
ii) Modify the account using CASBAM and select 15G/15H submitted status “Yes”. Verify
the modification using same menu.
3) Unfreez the account using HAFSM Menu and verify using same menu.
4) Use HCAAC Menu to close NSS87 account [like SB a/c closer] and verify.
Note: For freezed account if the account to be transferred to other SOL then first
unfreeze the account then transfer the account
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SECTION -16 AGENT PORTAL
16.1 Addition of an Agent –
1. Menu : HDSAMM– Click Go 2. Function : A-Add 3. DSA ID : Enter ID of DSA. (Enter a
alphanumeric ID. E.g. JOYTI72) Click Go
Under 4. Enter DSA Name 5. Enter Postal code and click outside to
General Page TAB populate data.
6. Enter Address 1,2,3 etc. 7. Enter Phone no, 8. Enter License No.
Mobile no etc.
9. DSA Turnover Frequency 10. Commission Cr. A/c. ID: Enter SB A/c No. of the
i)Daily ii) Holiday – N-Next day DSA
(or as desired by the DSA) (*Commission Credit account must be SB single
account/Joint a/c is not allowed).
11.Enter Next turnover date 12. Enter Tax Code: TDSAG
13. Enter License Expiry date 14. SET ID: Enter SOL ID
15. Agent type under Fee Code Section: Select from searcher SAS/MPKBY/PPF/PRSS
Under 1.Select Scheme Code: e.g. RDIPN/MISN1 etc.
Product Page TAB 2.Select Pay commission: YES radio button
3.Enter Payment frequency: i) Daily ii) Holiday – N-Next day
4.Enter Next Commission date: Any date after migration
5.Subvention Reversal Credit Placeholder : Enter the no. e.g. 45089000
6. Submit.
16.2 Addition of an Agent Verification –

1.Menu : HDSAMM– Click Go 2. Function : V-Verify 3. DSA ID : Enter ID of DSA. Click Go
Under General Page/ TAB 4. Under Product page/ TAB 5. Submit
check all the entries. check all the entries.
Fig 16.1
16.3 Procedure to copy an Agent –

1.Menu : HDSAMM– Click Go 3. DSA ID : Select one DSA ID from 2. Function : Select C-Copy
searcher And Click Go
4. Enter DSA Name (Enter the new agent name which you would like to create in the Finacle as
shown but agent name should not contain spaces or special characters.) Click on Go.
5. Under General Page/TAB delete the entries and re-enter all the required fields for the new
agent(as shown in ADD procedure)
6. Click on Product Page/TAB. System will show all the 24 products (added automatically) as we
have selected "COPY" function while creating the agent hence this work will be reduced. If you
had selected the function "ADD" then you had to add all the 24 products.
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Fig 16.1
Fig 16.2
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Fig 16.3
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SECTION -17 GENERAL ISSUE
17.1 Transaction ID searching –
[If in any case Transaction ID could not be noted due to some problem]
1. Menu HFTI-Click Go [Fig 17.1] 2. A/c ID : Account ID/Teller Account ID/Office A/c ID
3. Click Go Other Filters may be used when required are: Post User ID, Entry User ID,
General Ledger Subhead Code, Transaction Status, Today Transaction only (by
default is selected) etc.
Transaction ID will be shown in the result if the transaction takes place properly. [Fig 17.2]
For details of transaction View details button may used.
Fig 17.1
Fig 17.2
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17.2 Non financial transaction searching –
 Sometimes it is required to find accounts where any verification is pending.
 Sometimes after opening of account, due to some reason Account ID could not be noted.
1. Menu HAFI-Click Go [Fig 17.3]

2. Ref No. : Press space bar one - two times to insert blank space
3. Entered By: Enter the User ID of the person who has made the entry. If Account ID could not
be noted, this criteria is used. In other cases this filter may be ignored if not known exactly.
4. Click Not Authorised option 5. Click Go .Result will be shown.[Fig17.4, 17.5 & 17.6]
Other Filters may be used when required are: Table Short name(GAM), A/c ID, General Ledger
Subhead Code (Given below in a table) , Transaction Status, Entered on etc.
If not found in the first page, go to next page using the small blue arrow.
Entries with A in Function column means Account created but not authorised.
Entries with M in Function column means Account modified but not authorised.
Entries with Z in Function column means Account closed but not authorised.
Fig 17.3
Fig 17.4
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Fig 17.5
Fig 17.6
General Ledger Subhead code:

SCHEME GL SUB HEAD SCHEME GL SUB HEAD SCHEME GL SUB HEAD
SB 30001 TD 1 YEAR 30011 NSC IX 32003
RD 30010 TD 2 YEARS 30012 KVP 32027
MIS 30016 TD 3 YEARS 30013 NSS87 30021
SSA 30042 TD 5 YEARS 30014 NSS92 30022
PPF 33001 NSC VIII 32001
17.3 Inquiry of Transaction –

1. Menu: HTM-Click Go 2. Function Code -Inquire
3. Transaction ID: Enter Tran ID to be inquired. 4.Click Go
Details of the transaction are shown. If Both Dr. and Cr. Are involved, there will be two records.
5. Click OK after the inquiry.
17.4 Deleting of Transaction –

1. Menu: HTM-Click Go 2. Function Code - Delete
3. Transaction ID: Enter Tran ID to be deleted. 4. Click Go
Details of the transaction are shown. If Both Dr. and Cr. Are involved, there will be two records.
5. Click Submit
17.5 Signature View –

1. Menu : IES-Click Go [Fig 17.7 & 17.8 ] 2. CIF ID: Enter CIF ID of customer 3. Click Go
4. Click Signature icon to see the signature 4. Click Photograph icon to see the photograph
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Fig 17.7
Fig 17.8
17.6 How to tally cash - if excess cash found in the counter (teller) –
If after tallying cash, excess cash found in Teller, ensure that the excess cash found is not
due to any wrong transaction done in any office account like Vault etc. Instead of customer
account the cash should be deposited into Sundry account of the SOL i.e. SOL0324. Error entry has
to be made in error book against the excess cash. Error book must contain the Transaction ID
generated during the transaction.
17.6.1 Cash Deposit Procedure in Sundry Account —
1. Menu: CTM – Click Go [ Fig 17.9] 2. Function : A-Add 3. Function type: Select deposit
4. Click Go. A New window will come. [Fig 17.10]
5. Enter A/c ID: Enter Sundry Account No. of your SOL (SOL0324)
6. Amount : Enter the excess amount 7. Transaction Particulars: Delete the entry “By Cash
found at counter Deposit” and enter “Date and amount received as
Excess cash"
8. Option : Select G Partitioning Details 9. Partitioning A/C ID : Enter Teller Account ID - who
is doing the transaction.
10. Click Post button. Transaction ID will be generated. Note down the Transaction ID. [Fig 17.11]
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Fig 17.9
Fig 17.10
Fig 17.11
17.6.2 Verification of deposit By Supervisor –
1. Menu: CTM – Click Go 2. Function : Verify 3. Enter Transaction ID 4. Click Go

5. Check and Submit
Note: After doing the excess cash deposit transaction, Vault operation using HTM menu must be
done to return the excess cash deposited in Teller account. Verify the vault transaction by Super
with the same menu.
17.6.3 Reversal of Excess Cash - Kept in Sundry Account—
1. Menu: HTM – Click Go [Fig 17.12] 2. Function : A-Add

3. Transaction type/Sub type : T/CI-Customer Induced (For transferring 4. Click Go.
the amount to customer’s SB account or Postmasters cheque account)
First Screen of HTM transaction page will open [Fig 17.13]
Debit Radio button By default will be selected
5. Enter A/c ID: Enter Sundry Account No (SOL0324) 6. Amount : Enter amount of withdrawal
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7. Enter Ref No: The Tran ID generated during Cash deposit in Sundry A/c. (found in error book)
Restore Value : A-Additional Part Tran Details (default selected) 8. Click Go
A new window Named “Minor Subsidiaries Details” will open. [Fig17.14]
9. Tran ID : Enter Tran ID generated during Cash deposit in Sundry A/c 10. Click Go.
Another window will open [Fig17.15]
Select the correct entry by checking the "Particulars" matching the “Transaction particulars”
which was entered during excess cash deposit.
11. Click the left hand check box to select. 12. Click Accept.
First Screen of HTM Transaction page will return. [Fig17.16]
13. Restore Value: Select G-Partitioning Details. 14.Click Go
Another window will open [Fig17.17]
15. Entity ID: Enter the teller account no. who is doing the transaction. 16. Click Accept
First Screen of HTM Transaction page will return. [Fig17.18]
17. Click ADD button to enter the Credit part of the transaction.
18. Click Credit radio button.
19. A/c. ID: Enter the SB account no of the customer
20. Amount field: Enter the amount or Click "Get Contra Amount" which is available near to Amt
column (System will automatically take the amount)
21. Click Post 22. Transaction ID will be generated. Note the Transaction ID
17.6.4 Verification of Reversal of Excess Cash - kept in Sundry Account—
1.Menu: HTM – Click Go 2. Function : Verify 3. Enter Transaction ID Click Go

4. Check both the records (Debit & Credit) and click Submit.
Fig 17.12
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Fig 17.13
Fig17.14
Fig 17.15
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Fig 17.16
Fig 17.17
Fig 17.18
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17.7 Lien Maintenance –
 Lien is referred to an earmarking or blocking a certain amount in an account.
 Some Liens are system generated. When RD loan is taken by a customer then in Finacle a
separate Loan account is opened. The Whole of the RD amount deposited is automatically
marked as Lien. So the customer will not be able to close the RD account in any way
without repaying the RD Loan.
 Also RD default fee and Loan interest of RD Loan not paid before migration period will be
marked as Lien. The Lien has to be removed and the Lien amount must be recovered from
the customer before closer of these accounts.
 Lien is used to pledge certificates Accounts. But it may be done in any account.
17.7.1 Marking Lien –
1. Menu: HALM – Click Go [Fig 17.19] 2. Function – Add

3. A/c ID: Enter A/C no of Certificate Module type - User defined (Default selected)
4. Click Go. A new window will come. 5. Enter New Lien Amount [Fig 17.20]
6. Enter Lien Reason from searcher: for example 003(Security Deposit)
Requested by and Request Department field may be filled up if necessary.
7. Submit. A message will come “ Record added successfully” [Fig 17.21]
Fig 17.19
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Fig 17.20
Fig 17.21
17.7.2 Marking Lien Verification –
1. Menu: HALM – Click Go [ Fig 17.22] 2. Function – Verify

3. A/c ID: Enter A/C no of Certificate 4. Click Go. A ne window will open. [ Fig 17.23]
5. Check and Submit. ““ Record verified successfully” message will come [Fig 17.24]
Use the Menu HACCBAL, Enter A/c ID and Click Go to check Lien Amount. [Fig 17.25]
Fig 17.22
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Fig 17.23
Fig 17.24
Fig 17.25
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17.7.3 Revoking Lien/Modifying Lien –
1. Menu: HALM – Click Go [Fig 17.26] 2. Function – M-Modify

3. A/c ID: Enter A/C ID in which Lien is marked 4. Module type— Keep it User defined (default)
5. Click Go. A new window will come. 6. New Lien Amount: Delete the amount and
[Fig 17.27] Enter 0 (Zero) to remove the lien amount.
7. Keep the reason and Submit
Fig 17.26
Fig 17.27
Fig 17.28
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17.7.4 Revoking Lien/Modifying Lien Verification –
1. Menu: HALM – Click Go [Fig 17.29] 2. Function – V-Verify
3. A/c ID: Enter A/C ID in which Lien is marked 4. Click Go. A new window will come.[Fig 17.30]
5. Check the new lien amount is 0 and Submit. A message will come “Record Verified Successfully”
Fig 17.29
Fig 17.30
Fig 17.31
17.8 Freeze an account

 Freezing is imposing restriction on an account.
 A frozen account does not allow any transactions.
 Freezing can only be for debit, credit or both.
 Discontinued accounts are by default rest in freeze condition.
 Pledged certificates done before migration (done in Sanchay Post software) remains in
freeze condition.
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17.8.1 Freeze an Account Procedure –
1. Menu: HAFSM – Click Go [Fig 17.32] 2. Function – F-Freeze 3. A/c ID: Enter A/C no
Enter CIF ID (for Multiple a/c) 4. Select Freeze Code as Total Freeze/Credit only/Debit only
Total Freeze = Dr. & Cr. Both Not Possible. Credit Freeze= Cr. Not Possible. Debit Freeze= Dr. Not Possible
5. Enter Freeze Reason code or select from searcher 6. Click Go. A new window comes
7. Select the Check box on the left. [Fig 17.33] 8. Submit
A message will come “Total freeze on selected accounts placed successfully” [Fig 17.34]
Note : If all or selected accounts under a CIF to be freeze, then enter CIF ID in the CIF ID field. In
the next screen all the accounts under the CIF will show. Just select the check box against the
accounts to be freeze.
Fig 17.32
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Fig 17.33
Fig 17.34
17.8.2 Freeze Account Verification –

1. Menu: HAFSM – Click Go [Fig 17.35] 2. Function – V-Verify
3. A/c ID: Enter A/C ID
Enter CIF ID in the CIF ID field in case of multiple accounts (all or selected account) to be freeze.
4. Click Go 5. Submit after checking
Use the Menu HACCDET , Enter A/c No. and click Go to see the Frozen details
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Fig 17.35
Fig 17.36
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Fig 17.37
17.8.3 Unfreeze an Account Procedure –
 Done to unfreeze discontinued A/c like NSS accounts etc. before doing any transaction.
 NSC/KVP certificates pledged before migration (in Sanchya Post) remains in freeze condition.
1. Menu: HAFSM – Click Go [ Fig 17.38] 2. Function – U-Unfreeze 3. A/c ID: Enter A/C no
Or Enter CIF ID (for Multiple A/c) 4. Click Go. A new window will come. [Fig 17.39]
5. Select the Accounts, by clicking the check box on the left. 6. Submit.
A message will come “ Total freeze on selected accounts removed successfully”[Fig 17.40]
Fig 17.38
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Fig 17.39
Fig 17.40
17.8.4 Unfreeze an Account Verification –
1. Menu: HAFSM – Click Go [ Fig 17.41] 2. Function – Verify 3. A/c ID: Enter A/C no
Or Enter CIF ID (for Multiple A/c) 4. Click Go. A new window will come. [Fig 17.42] 5. Submit.
A message will come “ Total freeze on selected accounts removed successfully”[Fig 17.43]
Fig 17.41
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Fig 17.42
Fig 17.43
17.9 Reinvestment Procedure in Finacle –

See SB Order 7/2015 Annexure- Scenario-14
 Customer must have a SB account.
 The SB account must be live and signature is available. To check availability of signature
use the menu IES and enter CIF ID of the SB account.
 Use Menu CASBAM and function - Inquire to check the Account status: Silent/Active. If
silent make it active and verify it by super with the same menu CASBAM after taking
proper application.
 Check CIF with the menu CMRC – i) KYC status : Document submitted, ii) DOB iii) Gender,
iv) PAN No. attached to CIF if applicable.
 If KYC document not submitted, take it from the customer and change the CIF KYC status.
1. On the receipt side of SB-7A/Certificate ask customer to provide amount to be reinvested,
name of the scheme and SB Account no.
2. In the AOF against Mode of deposit: Write “Transfer from SB account no………….” for
reinvestment purpose. This transaction is treated as Non cash transaction and agent
commission (Agent if any attached) is credited to agents SB account automatically.
3. During closer of an account, the amount will be credited to SB account.
4. During opening of an account, the amount will be debited from SB account.
5. For getting the transaction ID of this Credit and Debit operation use Menu HACLI and
enter SB account of the customer. Click on transaction date to get Tran ID of both
transactions to prepare deposit and withdrawal voucher if required.
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17.10 Account Transfer Between SOLs -
 When customer request to transfer account from one CBS post office to another CBS post
office, the account may be Transfer In. This can be done either from the Post office where
the account to be transferred or from the Post office where account stands. Where the
account stands is called Source SOL and where the account will be transferred is called
Target SOL. One Instruction No. will be generated at end of the procedure. Note the
number. This number is to be verified by super.
 In case of TDA product like MIS/TD/SCSS before starting the transfer process ensure that
there is no interest payment due for the account (remains in the Sundry account of the
Source SOL) in the Source SOL.
 If the account is in frozen condition, before transferring, the account must be unfreeze
first. After transferring, the account must be again frozen.
 Account transfer between CBS and Non CBS Post office is not allowed. Account transfer is
only possible between CBS Post offices.
17.10.1 Procedure by PA –
1.Menu : HACXFSOL - Click Go [Fig 17.44] 2. Function : T-Transfer
3. Click Go. A new will screen come. [Fig 17.45]
4. Source SOL ID: 5. Target SOL ID:
Enter SOL ID where the account stands. Enter SOL ID where account to be transferred.
6. A/c ID. : Enter the Account ID to be transferred 7. Click Submit
8. Instruction Number will be generated. Note it. [Fig 17.46]
Fig 17.44
Fig 17.45
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Fig 17.46
17.10.2 Verification by Super –

1.Menu : HACXFSOL - Click Go [Fig 17.47] 2. Instruction No. : Enter instruction no.
3. Click Go. A new will screen come. [Fig 17.48] 4. Check & Submit. [Fig 17.49]
Fig 17.47
Fig 17.48
Fig 17.49
Note: If the Instruction No. could not be noted by any reason, use the following Procedure –
1. Menu : HAFI. Click Go. 2. Table Short Name: "ATT" 3. Ref. No: 1 or 2 blank spaces.
4. Entered by : User ID of the person who have done the transaction.
5. Entered On : Date of transaction 6. Select Not Authorised option 7. Click Go
8. Instruction No will be shown.
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17.11 Intersol Transaction – [Ref : SB Order 7/2015- Annexure-Scenario-11]
 In CBS environment, transactions can be initiated in any CBS Post Office.
 Before doing intersol transaction, use menu HACLI to check whether the accounts stands in
Fincale.
 Check the signature is available using menu IES.
 Any depositor of Savings, RD, TD, MIS, SCSS, PPF or Certificates can initiate any Financial
transaction(Deposit/Withdraw/Interest withdraw) at any CBS Post Office.
 Any Non-Financial transaction like Account Modification or CIF modification can be made
only where the account stands. And it should be supported by documentary proof. One copy
of KYC Document must be sent to CPC for scanning.
 Transaction will appear in the Report No.19 (i.e Common Counter Wise Transactions Report-
Inter Branch) of the office where transaction is initiated.
 Amount of the transaction would also appear in Consolidation of the same office. No
transaction would appear in the office where account/certificate stands. Extra care should
be taken at the time of such transactions.
 In respect of withdrawal from savings Account for more than for Rs. 50,000/- , it should be
allowed only if required KYC documents of the account holder (s) have been taken. In respect
of accepting deposits, no extra care is required to be taken.
17.12 Closer of Accounts at other SOL– [Ref : SB Order 7/2015- Annexure-Scenario-1 & 5]
 As regards, payment of maturity value of MIS/RD/SCSS/TD/PPF/Certificates, payment should
be made by crossed cheque or credit to Savings Account (where appropriate KYC documents
have been taken).
 The Counter PA should first use menu HACLI and see that Account(s) are genuine and stand in
Finacle. Signatures of the holder(s) on the withdrawal Form or Account Closure Form with that
available in Finacle, using menu IES.
 Once, it is confirmed from the signatures that holder is genuine; payment of interest should be
made to the account holder as per process being followed for normal withdrawal.
 If account closure is requested, take SB10(b) form, fresh ID as well as Address Proof. The KYC
documents should be properly verified by Supervisor. In case of certificate take filled up NC-32
form from the customer.
 If any interest (montly/quarterly/yearly) is due should be checked using HTDTRAN, HIOT, HTM
etc. If any due that to be paid first before transferring the account. This is very important.
 Account(s) then to be transferred IN by using HACXFSOL, whenever any account is closed at
the office-other than the office where account was opened.
 SB10(b)/NC-32 and fresh KYC documents obtained should be preserved in the CBS Post Office
where payment is made. An intimation of Transfer/Closure/Discharge should be sent to the
office from where the account was transferred by service registered post which will make
Transfer/Closure/Discharge entry in the original AOF.
17.13 Death Claim case at other SOL –

[Ref : SB Order 7/2015- Annexure-Scenario-3]
17.13.1 Certificates (NSC/KVP) -
When any claimant (in case of death of holder) presents certificates issued by another
CBS Office along with claim application form for payment or transfer to the claimant's name.
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 In CBS environment, claim form can be submitted at any CBS post office. When such a claim is
presented at any CBS post office, first of all, user has to enter date of death in the CIF using
CMRC menu and supervisor has to verify it.
 Then procedure of settlement of deceased claim case has to be followed. After sanction of
claim, if claimant wants payment, counter PA to check account stands in Finacle using HACI.
Also check the signature available using IES. Payment should be done as per procedure
mentioned in Section 17.12 Closer of accounts.
 If claimant wants to transfer of certificates in his/her name, open new CIF in his/her name
based on new AOF (if no CIF is available in his/her name) and attach the existing Certificates
(Accounts) with new CIF using HCCA menu.
 Name of holder can be changed in account level through menu HAALM.
 In this case also, an intimation of Sanction of Claim/Transfer/Discharge along with copy of
sanction memo should be sent to the office of issue by service registered post which will made
Death/Transfer/Discharge entry in the Purchase Application(in case of old certificates) or AOF.
 Claim Application Form and KYC documents of claimant and Account Opening Form (AOF)
should be preserved in the CBS Post Office. If certificates are transferred in the name of
claimant, KYC Form has to be taken from the claimant and sent to CPC of the office where
claim is sanctioned. CPC will scan the Photograph and signature and attach the same with new
CIF.
17.13.1 MIS/TD/SCSS/PPF/RD –
[Ref : SB Order 7/2015- Annexure-Scenario- 6]
When any claimant presents documents for preferring claim (in case of death of depositor) in
respect of any MIS/SCSS/TD/RD/PPF account(s) stand at another CBS Office along with claim
application form for payment or transfer of account (RD/TD/SCSS {only spouse}) in the name of
claimant.
 First check accounts stands in Finacle using HACLI menu. Also check Signature available using
IES menu.
 Death should be noted in the relevant field in CIF of deceased depositor using CMRC and
verify with the same menu. Follow the procedure laid down for settlement of deceased claim
case. After sanction of claim, follow the procedure mentioned in Section 17.12 - Closer of
accounts.
 If claimant wants to transfer RD/TD/SCSS (only spouse) account in his/her name, open new ClF
(based on new, Account Opening Form (AOF)) in his/her name (if not already exists) and
attach the existing Accounts with new CIF using HCCA. Verify with same menu. Name of
holder can be changed through menu HAALM. Verify with same menu.
 Claim Application Form and KYC documents of claimant or Account Opening Form (AOF)
should be preserved in the CBS Post Office and in case account(s) is/are transferred in the
name of claimant, KYC Form has to be obtained and sent to CPC of the office where claim is
sanctioned. CPC will scan the Photograph and Signature and attach the same with new CIF.
17.14 Transfer of Accounts –

Transfer of accounts is only possible between CBS post offices.
Transfer of accounts is only possible between Non-CBS post offices.
Transfer of accounts is not possible between CBS & Non-CBS post offices.
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17.15 How to handle cheques sent for collection before migration to CBS but
clearance received after migration –
Please Note: This workaround to be used ONLY until the cheques are processed
through OUTWARD CLEARING ZONE
 User to invoke CXFER MENU in finacle.
 Debit SBI (Sundry) account( SOL id followed by 0007 as debit account e.g 600002000007)
 Credit account (SOLID0382/SOLID0017/SB Accounts of customer)
a. SB – Respective account number (Subsequent deposit)
b. MIS/NSC/PPF/TD/SCSS/RD – SOLID0382 – For New Account
c. PPF/RD Retail / Bulk – SOLID0017 – Subsequent deposit
For RD Retail / Bulk the cheque number SHOULD BE ENTERED in the Transaction Particular
field (CXFER) without fail by removing the word “BY TRANSFER”. Cheque number should be of 6
digits. If the cheque number is 00234, “0”(ZERO) in the prefix of the cheque number should be
omitted and enter as 2345 (i.e. 2345)
Fig 17.50
Fig 17.51
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17.16 Single to Joint account
All the accounts may be transferred from Single to joint. Use the modification menu of
each scheme for this purpose. Joint account holder must have CIF. If not exists take KYC form and
documents and create CIF using CCRC. KYC form to be sent to concern CPC for scanning.
Use Modification menu of the concern scheme. Change Mode of Operation from 012 to
016 or 017 as applicable. Enter Related Party details 2 or 3 as the case may be. Select Joint
holder, Relationship etc. Submit.
Verify the modification with supervisor with the same menu.
17.17 Joint to Single Account/Deletion of 3rd joint holder –

All the accounts may be transferred from Single to joint. Use the modification menu of
each scheme for this purpose.
Removal of 2nd or 3rd joint Holder (Normal case) – Use Modification menu. Change Mode of
operation as 012, in case of joint account becoming single account. Delete CIF of 2nd or 3rd holder
as the case may be. Submit. Verify with Super – same menu.
Removal of 2nd or 3rd joint Holder (Death case)- Use Modification menu. Change Mode of
operation as 012, in case of joint account becoming single account. Delete CIF of 2nd or 3rd holder
as the case may be. Submit. Verify with Super – same menu. Death marking to be done in CIF
using CMRC menu and verify.
Death of 1st (Main Holder)- Use CMRC and modify the CIF. To be marked as Diseased. Enter Date
of death. Submit. Verify it with same menu. Use HCCA to merge the CIF. Change the CIF of the
diseased main holder to that of 2nd or 3rd holder as per requirement of customer. Verify it with the
Super with same menu.
17.18 Major to Minor conversion –

Take fresh KYC. Modify the CIF. Change Major flag “Yes”. Make other changes required.
Submit. Verify.
17.19 Addition/Modification of Nomination

Use modification menu of each scheme for this purpose. Make Nomination required
option “Yes”. Enter details of nominee. Submit. Verify it with Super with same menu.
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SECTION -18 CHEQUE PROCEDURE
18.1 Procedure for handling Cheques presented at CBS SOs

At CBS SUB OFFICE from where the Cheques are sent to CBS HO dealing with Clearing for
clearance. Same procedure will be followed by CBS HO not dealing with clearing house but
attached with another CBS HO dealing with Clearing House.
CHEQUE LODGE BY OPERATOR AT SO
1.Menu HOMSO . Click Go. [Fig 18.1] 2. Select the function A-Add.
Date will appear automatically. 3. Click on GO. A new window will open. [Fig 18.3]
4. a) Enter Customer’s POSB Account Number irrespective of where the account stands.
b) Enter SOLID0382 to lodge others bank cheque to open new a/c.
c) Enter SOLID0017 to lodge PPF/RD subsequent deposit.
Which is applicable according to the situation.
5. Enter the amount of 6. Enter the cheque number 7. Enter the MICR code available in
cheque. the cheque (this is mandatory)
8. Enter the cheque date. 9. Enter the Tran Code as 10. Click on ADD to enter other
printed on the cheque. cheqes. If only one cheque is
available Click Submit.
11. Click Submit, after entering the last cheque.
If any mistake is done that can be modified using the same menu HOMSO. Select Function
Modify. Click Go. Account number and cheque no. can not be changed.
Fig 18.1
Fig 18.2 [Sample cheque leaf]
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Fig 18.3
CHEQUE LODGE VERIFICATION BY SUPER
1. Menu HOMSO. Click Go. [Fig 18.4] 2. Select function V-Verify 3. Enter the date.
4. Click Go. Next window with details of entered cheque by PA will come. [Fig 18.5]
4. Click Submit after checking. “Data verified successfully” message will be displayed.
Fig 18.4
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Fig 18.5
TAKE THE REPORT & GENERATE FILE AT SO/HO
1.Menu HOMSOEX. Click Go. [Fig 18.6] This menu is accessible only for OPERATOR
2. Enter Sol ID 3. Enter date.
If File is selected – one .txt file will be 5. Click Submit. A message will come “File generated
generated. successfully”.
4. Select File option. Invoke menu HPR and click Go to see the file. File name
like “CHQLODGED_18022015150226.TXT” with current
date will show in the list. [Fig 18.7]
5. Click Submit. . A message will come “Report
If Report is selected – only report is
generated successfully”.
generated.
Invoke menu HPR and click Go to see the report. Report
4. Select Report option.
file name is “CHQLODGED.RPT” with current date. Click
Print screen button to see the report and take print.
[Fig 18.10]
Fig 18.6
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Fig 18.7
Fig 18.8
TRANSFER THE FILE TO LOCAL PC OF SO
1. The filename has to be highlighted by dragging the mouse over the filename. Press Ctrl+C to
copy the filename from the above location. [Fig 18.8]
2. Menu HTRFTOPC. Click Go. 3.In the Source file box the copied content to be pasted by
[Fig 18.9] pressing Ctrl+V.
4. In the Destination directory box enter path of the drive where the txt file will be saved.
E.g. D:\CLG “File transfer successfully” message will come.
5. Send this txt file along with CHEQUES to HO. The txt file may be send by email.
Fig 18.8
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Fig 18.9
Fig 18.10
 ACTION AFTER CLEARING OF CHEQUE AT SO

 On receipt of cheque clearance scroll from Clearing house, HO will regularize the Balance.
Once regularized, funds will be credited to respective SB account of customer/0382/0017
of SO. No action has to be taken in Finacle at SO level.
 Amount of subsequent deposit into Savings Accounts, will be accounted for at HO. Credit
will happen directly on release of shadow balance and amount will be reflected in LOT as
well as Consolidation.
 SO or HO (not dealing with clearing house) on receipt of Intimation of clearing will
account for this amount as Remittance to HO or Clearing House HO against intimation of
clearing received.
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18.2 Procedure for handling Cheques presented at CBS HO
Clearing Issues
INWARD CLEARING [Debit process]
Inward clearing means the cheques received by the Post office from other banks or Post office.
Inward clearing cheques are the cheques drawn by the Post office customers on their account
in favour of other parties. On receipt of the inward clearing, the cheques are posted to the various
accounts on which they are drawn - meaning the accounts of the cheque issuer or drawer with the
Post office is debited and the payment is made to the bank presenting the cheque.
OUTWARD CLEARING [Credit process]

Outward clearing means the cheques sent for collection.
When a particular Post office receives instruments drawn on the other bank within the
clearing zone and sends those instruments for collection through the clearing arrangement is
considered as Outward Clearing for that particular Post office. This Post office is known as
collecting office.
When we receive inward clearing we have to debit our customer account and when we receive
outward clearing we have to send it to relevant bank for payment.
HOW TO HANDLE INWARD CLEARING

Important:- The HO which is dealing with Clearing House will debit all cheques received from
Clearing House at that HO only after following the prescribed procedure given below. No cheque
should be sent to any other CBS HO or CBS SO.
 OPENING OF ZONE BY SUPERVISOR

Supervisor will open the Zone and enable the Operator to lodge (enter) the inward cheques
received for clearing.
1. Menu - HMICZ 2. Function O-Open Zone 3. Zone Date – By default System date will
come
4. Select Zone code as MICR. Click Go.
(Only MICR zone should be opened. CTS Zone should not be selected even the office is linked to a
CTS Zone)
5. Total amount in Advice: Enter the total amount of inward clearance amount. This can be
modified even at a later stage using the Menu HMICZ and Function - Modify Zone.
6. Total No. of instruments in Advice: Total number of cheques corresponding to the Total
advice to be entered. This also can be modified at a later stage using the Menu HMICZ and
Function - Modify Zone.
7. Submit “Zone opened successfully” message will come
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 LODGING OF CHEQUES IN THE ZONE BY OPERATOR
1.Menu HICTM -Go 2. Select Function - Add 3. Select Zone : Inward clearing zone (MICR)
opened by supervisor. Click Go.
4. Enter the Account number and click 5. Check signature by clicking the SVS -
Outside. The amount available in this account Signature Verification system icon to view the
will be shown. signature.
6. Enter the Instrument /Cheque number (click show exception button if you want to check the
validity of the chq)
7. Enter the Amount. 8. Enter the Name of the Payee.
9. Default Transaction code is 10. It can be changed by clicking on the searcher. Select different
Transaction code (10/11/13/14/19 etc.) as printed on the cheque. This code is very important.
Correct transaction code should be selected.
10. If sufficient balance is available *Carve will be Yes. (Carve – by Default is YES).
Or
If insufficient balance or any other reason (Signature not matched etc.) select Reject as I-
Inward. Watch that Carve flag automatically became No.
a) Click on the red & White details button just adjacent.
b) Enter Reject reason 1. Select from searcher (01/02/03 etc).
c) Click charges button
d) Check charge amount. It will be 50 by default as per rule. But it can be modified if
required.
e) Click Accept button in charges page.
f) Click Accept button again in the reason page. Main cheque entry page will return.
g) Click the button adjacent to Additional details.
h) Click Presenting Bank/Branch (e.g. 211) and click searcher in the below box and select the
branch code.
i) Click Accept.
11. Click Add button to enter more instrument. At end click Show exception button to see
everything is ok. If not correct, then select the entry and make necessary changes. Click Submit
at end.
*(Carve – Carve means to slice off specified portion of funds equivalent to cheque clearing
amount out of the total available balance. This is done to ensure that the cheques received for
inward clearing will surely be cleared if sufficient balance is available. Customer cannot withdraw
even from this account, the amount carved).
Super to verify using same menu HICTM. Function Verify. Click Accept and Submit.
 MODIFICATION OF CHEQUES IN THE ZONE BY OPERATOR
1. Menu HICTM -Go 2. Select Function- 3. Select or Enter Zone : Inward clearing
Modify zone (MICR) opened by supervisor. Click
Go.
4. Click Accept button 5. The cheques/Cheque 6. Click on the entry and make necessary
to see all the cheques lodged will be shown. correction (like Rejecting any cheque,
or enter instrument no instrument number mismatch etc.) Click
to modify a particular Submit button.
cheque.
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Suppose there is insufficient balance in the account – An error will be thrown. Ensure
that this cheque is marked as “Reject” in Inward zone – Inward reject can be done even after
running Validation run.(will be discussed later)
For both type of rejects i.e. Inward and Outward rejects carving should be NO.
 DELETING OF CHEQUES IN THE ZONE BY OPERATOR
1.Menu HICTM - 2. Select Function- 3. Select Zone : Inward clearing zone (MICR)
Go Delete opened by supervisor. Click Go.
4.Click Accept 5. All the cheques 6. Click on the duplicate entry or wrong entry
button lodged will be shown.
7. The Selected check box should be ticked for the record which needs to be deleted. For the
other cheques, this check box shouldn’t be ticked.
8. Click Submit button. SUPER WILL VERIFY THE MODIFICATION OR DELETION USING SAME
MENU HICTM.
Note1 : Delete function can be used to delete the verified as well as unverified instruments.
Note2 : If Duplicate cheques are entered Errors will be thrown during EOD. Delete the duplicate
entry.
 INQUIRY OF CHEQUES IN THE ZONE BY OPERATOR
1. Menu HICTM - 2. Select Function I- 3. Select Zone : Inward clearing zone (MICR)
Go Inquire opened by supervisor. Click Go.
4.Click Accounting Statistics TAB 5. Check the debit and credit part whether tallied.
 SUSPEND THE ZONE BY SUPERVISOR

1. Menu HMICZ -Go 2. Select Function S-Suspend Zone.
3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go.
4.Click Accounting Statistics TAB 5. Check the debit and credit part whether tallied and
Inward and outward reject details also.
6. Click Submit to suspend the Zone A message will come like “Zone - 40000100/26-12-
2013/MICR Suspended successfully”.
Note: No cheques can be lodged (entered) after SUSPEND. Still if any cheques are left out or high
priority cheques to be entered, the same can be done by un-suspending the zone through
function- Revoke Suspension. Again lodge the cheques through HICTM by operator, verify and
suspend the zone by Super)
 VALIDATION RUN BY SUPERVISOR and TAKING PRINT
1.Menu HMICZ -Go 2. Select Function V-Validation Run.

3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go.
4. Click Submit. 5. A message will come “Batch program successfully
invoked”.
5. Menu HPR - 6. There will be an entry “VALIDATION RUN FOR INWARD CLEARING ZONE” –
Go Click red & white Details button then click Type button in the next screen.
Report will be shown.
If no errors are found, zone status will show as Validation run successful. This can be checked
through Menu HMICZ – Inquire – Zone Status
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If any rejects are found in HPR due to insufficient balance or for other reasons, invoke Menu
HICTM – Function Modify – Select the appropriate cheque number and mark as INWARD
REJECT by selecting appropriate reasons. If any double entries are found, invoke Menu HICTM
and Function DELETE the appropriate cheque. If any error is found in HPR, supervisor cannot
proceed further to POSTING.
 ZONE POST BY SUPERVISOR
1.Menu HMICZ -Go 2. Select Function P-Post Zone.

3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go. Click Submit to
post the zone. Actual transactions(Debit from account) happen at this stage only.
4. Reports can be taken in HPR .
For taking print out of Rejected Cheques INVOKE MENU HREJREB.
 ZONE CLOSE BY SUPERVISOR
1.Menu HMICZ -Go 2. Select Function Z-Close Zone.

3. Select Zone : Inward clearing zone (MICR) opened by supervisor. Click Go. Click Submit to
close the zone.
Suppose if CARVE is NO. Balance will not be checked at time of LODGING. Suppose funds are
available during VALIDATION RUN and while POSTING, no funds are available, these transactions
will be in ENTERED state. The reason for this transaction in ENTERED state can be checked in
HTM – Enter Tran ID - List All exceptions menu. Reason for entered state can be recorded and
this cheque is to be deleted using HICTM menu. However this cheque cannot be honored.
 PROCEDURE TO LODGE REJECTED CHEQUE OF OUTWARD CLEARING IN

INWARD ZONE
1. Cheque has to entered using menu HICTM 2. In the Account no field enter credit account no
that is office Account no (400001000382) in case
of new account open by cheque or SB credit
account number in case of subsequent deposit in
SB Account.
3. Enter Amount, Instrument no, 4. Select Reject: O-Outward and enter details of
Transaction code, Instrument date. the cheque.
5. See the details of cheque lodged in 6. Select Reject reason from searcher and click
outward came automatically under Outward Accept.
Rejection Details at the bottom of the page.
7. Click Additional details and enter 8. Super to verify using same menu HICTM.
presenting bank sort code and Click submit. Function Verify. Click Accept and Submit.
Modify the zone using menu HMICZ. Modify the field Total amount in Advice and Total No. of
instruments in Advice. [as we have added outward reject cheques]
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HOW TO HANDLE OUTWARD CLEARING
Lodging cheqes manually at HO
 OPENING OF ZONE BY SUPERVISOR
1.Menu - HMCLZOH 2. Select Function O-Open Zone 3. Zone Date – By default System
date will come
4. Select Zone code as MICROW from Searcher. Click Go.
(Only MICR zone should be opened. CTS Zone should not be selected even the office is linked to a
CTS Zone).
 LODGING THE INSTRUMENT IN THE ZONE BY OPERATOR

1.Menu - 2. Select from Option A-Add 3. Enter Zone code MICROW or select from
HOCTM searcher
4. Click on 5. Enter Account no for which cheque is to be credited.
Go  SB account number - SB account number in case of subsequent SB
Deposit
 SOLID0017 - In case of subsequent RD Deposit / Agent Bulk
Deposit
 SOLID0017 - In case of PPF subsequent Deposit
 SOLID0382 - In case RD/TD/MIS/SCSS/NSC Account Opening
6. Enter the amount in the Amount 7. Enter the Transaction remarks like PPF, MIS, NSC, etc
field in the free Text field
8. If Single Cheque and Single Account Enter the instrument details in the second part of the
screen
 Enter the Instrument Date – Cheque Date
 Enter the Instrument No – Cheque Number
 Enter the transaction code as 10 or 11/13 etc. as printed on the cheque.
 Enter the sort code - Sort code is of 9 digits. Click on the searcher The Bank Code list
searcher will appear. Enter the Bank code (4,5,6th digit). If sort code is not available in
searcher, enter sort code of any branch of that Bank. Click on submit and select the
appropriate Bank, Branch Code.
9.Click on Submit. Set No. will be allotted for cheques lodged. Note down the Set No in the pay-
in-slip.
If Single account – Multiple cheques – Click on Add button below the Instrument details heading
for entering more than one cheque.
If Multiple account – Single cheque – Click on Add button below the Account details heading for
entering more than one credit account number.
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 UPLOADING OF THE TEXT FILE OF SO AT HO
On receipt of Physical Cheques from SO or HO along with list, HO will tally cheques with list.
After entering the HO cheques through HOCTM, upload the SO/Other HO Cheques using the
procedure mentioned below:-
1. Menu HCLUPLD. Click Go. 2. Report to : PM 3. Enter Zone Date

4. Enter Zone Code 5. File location select “User Application File Path” option
6. Create Transaction “Yes” 7. Upload file name : Enter file like

“CHQLODGED_18022015124105.TXT” (copy the file name from
saved path)
8. Multiple Instrument “ Yes”
9. Click Submit “Batch program successfully invoked” message will come. See the report Using HPR
menu
10. This has to be verified by the supervisor using HOCTM menu.
11. After verification, both the HO and SO/other HO cheques will be available in the Outward
Clearing Report.
 VERIFICATION OF LODGED CHEQUE BY SUPERVISOR

1.Menu - 2. Select from Option V- 3. Enter Zone code MICROW or select from
HOCTM Verify searcher
4. Enter Set 4. Click on GO 5. After Checking click on Submit. If any error found in the
No. entry while checking by super that can be modified by
Operator only. In that case super will again verify the entry
after modification done by operator.
In case of multiple entries all the instrument details will be listed below. Instruments details can
be viewed by clicking on the respective instrument number. Total CREDIT AMOUNT and Total
amount of all the instruments should tally. Click on Submit. “Successfully Verified in Online
Module along with SET NUMBER“ will appear.
Once all the accounts / cheques are entered, the SUMMARY details can be viewed at bottom
area. Total Credit amount and Number of instruments will be shown.
 SUSPENSION OF ZONE BY SUPERVISOR and Report print
1.Menu - 2. Select Function S-Suspend zone 3. Enter Zone code MICROW or select
HMCLZOH from searcher
4. Submit Invoke the menu HPCLSO to print the CLEARING HOUSE SUMMARY REPORT.
Check using the menu HACCBAL and enter the A/c No. The amount will be shown as FLOAT
BALANCE.
If no errors are thrown, release to shadow balance will happen successfully.
Cheques received from SOs and other HOs will be sent to Clearing House along with cheques
lodged at HO (received at HO counter).
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 RELEASE TO SHADOW BALANCE BY SUPERVISOR
1.Menu - 2. Select Function R-Release to Shadow 3. Enter Zone code MICROW or

HMCLZOH Balance select from searcher and date.
4. Click Go A window with General and Statistics tab will be opened. While RELEASING TO
SHADOW BALANCE, Zone Status should be “SUSPENDED ZONE” Click on Submit.
Job will be initiated and the report has to be checked in MENU HPR
Check using the menu HACCBAL and enter the A/c No. The amount will be shown as FUNDS IN
CLEARING.
 MARKING OF OUTWARD REJECT
After receipt of scroll, Rejects if any to be marked. Outward rejects are to be marked in Inward
Clearing Zone. Process explained in Inward zone clearing.
 REGULARIZATION OF ZONE
1.Menu - 2. Select Function G-Regularise Shadow 3. Enter Zone code MICROW or

HMCLZOH Balance select from searcher and date
4. Click Go A window with General and Statistics tab will be opened. While RELEASING TO
SHADOW BALANCE, Zone Status should be “SUSPENDED ZONE” Click on Submit
Job will be initiated and the report has to be checked in HPR
If status of the any of the cheque is unknown HMARKPEN menu can be invoked to keep that
cheque in pending for clearance. Same can be revoked by using the menu HREVPEND (available
only for Postmaster). Using these 2 menus, zone can be partially regularized.
The balances in SB will be posted automatically once the zone is Regularised.
Funds cleared for RD, PPF subsequent deposits will be parked in the Office Account. Invoke the
menu HACLINQ to check the balance in the office account SOLID 0017. Fund the respective RD,
PPF account using the appropriate menus by transferring funds from this office account.
Funds cleared for NSC, MIS, TD, SCSS account opening will be parked in the office account SOLID
0382. Invoke the menu HACLINQ to check the balance in the office account SOLID 0382. Fund
the respective accounts by transferring from this office account.
The status of the zone can be viewed using the menu HMCLZOH
Check using the menu HACLI and enter the A/c No. The amount will be shown in CLEAR
BALANCE/ EFFECTIVE AVAILABLE BALANCE (amount will be added in CLEAR BALANCE).
On receipt of cheque clearance scroll from Clearing house, HO will regularize the Shadow
Balance.
Once regularized, funds will be credited to respective SB account of customer and would appear
in SB Consolidation of HO.
a) Office Account 0017 of SO for cheques presented by MPKBY Agents at SO for subsequent
deposit in RD.
b) Office Account 0017 of HO for HO cheques of RD Deposits.
c) Office Account 0017 of HO for Sub Office cheques – For subsequent deposits (RD, PPF)
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d) 0382 of HO for HO cheques presented for opening new Accounts/certificates.
e) 0382 of Sub Office for cheques received from sub offices – For New account opening.
 Amount of cheques received from SOs for RD Deposit of MPKBY Agents and for Opening of
New Accounts/Certificates will be shown as Remittance Received in advance from SO
concerned and intimation will be sent to Sub Offices via E Mail as well as entry in SO Slip.
 Amount of subsequent deposit into Savings Accounts, RD and PPF of SOs and HO received
through clearing will be accounted for at HO. In case of Savings Accounts, credit will happen
directly on release of shadow balance and amount will be reflected in LOT as well as
Consolidation. In respect of RD and PPF, HO has to credit the amount of each cheque in
respective account after looking from Pay-In-Slip from HOSOLID0017 office account. This
amount will also appear in HO LOT and consolidation.
 For new Accounts/Certificates, HO will open new accounts/certificates and fund these
accounts by debiting HOSLOID0382 office account.
Process at SO or HO (not dealing with clearing house) on receipt of Intimation of clearing.
 On receipt of intimation from HO, Sub Office or other HO will post the agent lists by debiting
their SOLID0017 office account.
 SO or other HO will open new accounts/certificates and fund these accounts by debiting their
SOLID0382 office account.
 SO and other HOs will account for this amount as Remittance to HO or Clearing House HO
against intimation of clearing received.
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SECTION -19 REPORT
19.1 Report to be taken before EOD:-
(Menu HFINRPT)
Sl Report Name Sl Report Name

no no
5 Agents commission consolidated 6 Agent commission report
report
11 CIF document status report 12 CIF KYC status report
16 Common counter wise transaction 18 Common counter wise
report – discontinued transaction report (MIS today)
scheme(NSS)
report(PPF) transaction report(RD)
report(SCSS) transaction report(Savings)
23 Common counter wise transaction 24 Common SB automatic transfer
report(TD) list
25 Standing Instruction SB to RD 28 Consolidated MIS
Deposit/Withdrawal
29 Consolidated PPF 30 Consolidated RD
Deposit/Withdrawal Deposit/Withdrawal
31 Consolidated report 32 Consolidated report
discharge(NSC/KVP) discharge(SCSS)
34 Consolidated report discharge(SB) 34 Consolidated report discharge(TD)
38 EOD Blocking Validation report 42 KVP/NSC discharge journal
46 KVP/NSC issue journal 49 PPF A/C transfer from DOP to
Bank
Office account ledger print : HACLPOA
Shroff/Scroll Report (Cash transactions done by a teller): HSCWRPT
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SECTION -20 EOD & BOD
EOD/BOD(End of Day/Beginning of Day) Procedure in Finacle CBS

Every day, in finacle CBS, every HO/SO need to run the process of EOD/BOD. This will
ensure the activities of interest calculation and change of date to next working day. EOD and BOD
are operations to mark the logical end-of-day for PO/SO level and mark the beginning of the next
working day.
Steps to be followed before EOD:-

1.Invoke menu HFTI. Select transaction status “Entered”. Click Go. If no records fetched click Back
button. If found any entries, note the Transaction ID and verify it using HTM menu.
2. Now select transaction status “Posted”. Click Go. If no records fetched click Back button. If
found any entries, note the Transaction ID and verify it using HTM menu.
3. Invoke menu HIMI and check any Inventory items remains unauthorized. Select Transaction
entered but not authorised. If found any entries. Note the Inventory ID and verify it using HIMC
menu.
4. Verify the Issued cheque book if any pending. Invoke menu HICHB (Inventory-Issue of cheque
book). Enter SB A/c No. and submit.
5. Invoke menu HMICZ -if any Inward clearing zone opened, should be verified and closed.
6. Invoke menu HFINRPT, go to page no. 3 and report no 38. Click “EOD blocking validation
report”. Enter SOL id and Submit. If there are any blocking validation pending they must be
verified in order to start EOD operations for the day. All such unresolved blocking validations are
to be cleared off, at SO level. Use HTM to verify the unverified transactions.
7. Invoke menu HPR. Select the report “EOD blocking validation report”. Click Print screen
button.
8. Invoke menu HAFI. Enter User ID in Entered by box and select not authorized option button.
Click Go.
9. Invoke the menu HTCPIAC to Check All the teller’s cash position. All the balances should be “0”
and check everybody is logged out of the system.
10. During the EOD process nobody should login in finacle except the PC where EOD is in
progress.
EOD Steps:- Only First step of EOD to be done at SO/HO
1.HISCOD (Initiate SOL Change Operation Date) (1st step of EOD). - Done by SO/HO
Invoke menu HSSI and SOL Status will show “CHANGE OF DATE INITIATED”
2.HSCOD (SOL Change Operation Date) (2nd step of EOD). - Done by CPC
Before starting the EOD process if HSSI menu is invoked you will see the following entries. If
today date is 07.10.2015
SOL ID SOL Status Closer BOD date Last Successful Next SOL Batch Closer EOD Event
Date SOL closer date Working operation Status
date date
70000100 SOL 07-10-15 08-10-15 07-10-15 09-10-15 CLOSED EOD EVENT
CLOSER NOT IN
DONE PROGRESS
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After some time invoke menu HSSI. Check the status of HSCOD. If the EOD event status
shows “SCOD running“, wait for some time and again invoke HSSI. If the SOL status shows “SOL
POSTCOD Done“ and EOD event status shows “EOD Event not in progress” then HSCOD step is
completed. Usually it takes about 2-5 minutes if link is in good condition. If the Closer status
shows “failed” perhaps you have not checked the “EOD Blocking validation report”. Check it and
after clearing all the pending/unverified transactions run HSCOD again.
After successful EOD on 07.10.2015 the following entries will be shown
SOL ID SOL Status Closer BOD Last Successful Next SOL Batch Closer EOD Event
Date date SOL closer date Working operation Status
date date
70000100 SOL 08-10-15 09-10-15 08-10-15 10-10-15 CLOSED EOD EVENT
POSTCOD NOT IN
DONE PROGRESS
If EOD is not successful for any reason following entries will be shown
SOL ID SOL Status Closer BOD date Last Successful Next SOL Batch Closer EOD Event
Date SOL closer Working operation Status
date date date
70000100 SOL PRECOD 07-10-15 08-10-15 07-10-15 09-10-15 FAILED EOD EVENT
DONE NOT IN
PROGRESS
3. HSOLCOP (SOL Closer OPeration) (3rd step of EOD). - Done by CPC
Usually it may take longer time (5-15 minutes if link is good). Invoke menu HSSI. Check
the status of HSOLCOP. If the EOD event status shows “SOLCOP running“, wait for some time and
again invoke HSSI. If the SOL status shows “SOL CLOSER BATCH JOB DONE“ and EOD event status
shows “EOD not in progress” then HSOLCOP step is completed.
4. HSCOLD (SOL Closer for Last Day)(4th step of EOD). - Done by CPC
Usually it takes longer time, i.e. 20-30 minutes if link is good but on Friday it takes more
time). Invoke menu HSSI. Check the status of HSCOLD. If the EOD event status shows “SCOLD
running“, wait for some time and again invoke HSSI. If the SOL status shows “SOL CLOSER DONE“
and EOD event status shows “EOD not in progress” then HSCOLD step is completed.
*Note: Always refer CBS-FAQ (may be downloaded from http://tamilnadupost.nic.in/sdc/) for

any type of problem you faced. If there is no solution given for the problem, contact User
Champ of the HO/Divn.
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SECTION -21 OFFICE ACCOUNT
21.1 Office Account

These are accounts which Post office uses internally. These accounts are opened without
reference to CIF ID or involvement of customers. All the operation in the account are initiated and
performed by the Post Office. Example: Charge calculations, Interest calculations, Interest
collected/Paid, Commission and Expenses account with the post offices and so on.
Office accounts are of Three types –
1. OAB (Office Account Basic)
Basic office accounts are simple internal accounts. These accounts will help in managing the
General Ledger (GL). Accounts like Vault Accounts, Interest, Commission, Discount, and Charges
are under this Scheme Type.
2. OAP (Office Account Parking/Pointing)
Pointing accounts are used where the transactions are created for short period, with a reference
and they will have to be reversed. Example: Un Posted Office Account (Sundry A/c).
3. OSP (Office System Pointing)
The users are not allowed to do any transactions. The transactions are system generated and are
verified on invoking or at certain events. Example: Interest calculations on a savings account will
be done on a particular day. System calculates and creates a transaction and posts it.
Some of the Important Office Accounts are shown below –
Office A/c Description A/c No. Office A/c Description A/c No.
Prefixed Prefixed
by SOL ID by SOL ID
Sundry A/c 0324 Sundry Deposit TD Interest 0335
Vault A/c 0406 Sundry Deposit MIS Interest 0337
Postmaster Chq A/c 0340 Sundry Deposit SCSS Interest 0338
New A/c opening by other 0382 Subsequent Deposit in RD and PPF 0017
Bank’s cheque A/c
Deposit Reinvestment 0387 DBT Upload A/c 0410
Pension Upload A/c 0408 Salary Upload A/c 0409
SBI Sundry A/c 0007 SB Charges 0187
PPF Transit A/c 0322 SCSS Transit A/c 0437
ECS Suspens A/c 0098 BO settlement A/c 0339
Money order transfer A/c 0385 Clearing Dr. A/c Inward 0101
PPF Default Fee A/c 0184 RD Default fee A/c 0384
Inward Cheque Return Charges 0195 Outward chq return charges 0196
Outstation Chq Collection Fee 0204 Outstation Chq clearing 0110
Agent Commission(with TDS) 0251 TDS Collected from Agent 0321
Commission
Tax collection against NSS 87 0041 Tax Collection SCSS 0293
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 According to SB order 12/2015 Maturity value (including death claim) may be transfer to SB
Account of the customer only in CBS PO.
 According to SB Order 17/2015 all the entries made in clearing Inward/Outward, ECS
Inward/Outward, BO Settlement office account, Sundry MIS/TD/SCSS office accounts and
Postmasters Repayment office Accounts (0340) by the user are to be verified by supervisor.
For all the entries in office accounts used by users/Supervisors, it will be the personal
responsibility of that user and supervisor to be sure that entries are genuine and bonafide.
 According to SB order 07/2015 Reinvestment will be done through SB Account only.
 According to SB order 12/2015 other bank cheque should be first lodged to SB account of
customer except in some cases (RD & PPF) where customer is unable to open SB a/c
immediately.
 How to Check Office Account Ledger –

1. Menu: HACLINQ, Click Go 2. A/c ID: Enter Office Account ID (e.g SOL ID+0340)
3. Change the date from if required. 4. Click Go
5. If any message come “Account ownership invalid” – Click ok and Click Go again.
 Taking reports of Office account –

Everyday at evening office accounts transaction reports must be taken, using Menu HACLPOA
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SECTION -22 MENU SHORTCUT
Topic Purpose Menu Option

Checking for duplicate CIFs CDEDUP
Creating new CIF & Verification CCRC
Modification Before Verification CCRC
CIF Modification after verification or modification in existing CMRC
CIF ID
Merger of CIF HCCA
CIF Search HCRV
Opening a new SB A/c CASBAO
Modification Before Verification CASBAOM
Verification of new a/c CASBAV
Modification after verification or modification in existing CASBAM
A/c ID
Funding of the Account By Cash & Verification CTM
Funding of the Account By A/c Transfer & Verification CXFER
Printing of Pass Book HPBP
SB A/c Closing of Account & Verification HCAAC
Find out the new account no. for old account no. CNAC
Changing the status of the customer from Minor to HCBM
Major Report
Print spooled reports HPR
Account Transactions Inquiry HACLI
Account Balance Inquiry HACCBAL
Account Details Enquiry HACCDET
Add Inventory & Verify HIMC
Selecting SO SOL ID for Transferring Inventory by HO HCCS
Split Inventory Own Location HISAI
Split Inventory Other Location HISIA
Inventory
Merge Inventory Own Location HIMAI
Management Merge Inventory Other Location HIMIA
Inventory Status Report HISR
Inquire Inventory (Between Locations – Movement) HIMI
Inquire Inventory (Particular Location – Available) HIIA
Issue Across the Counter Cheque Book & Verify HICHB
Cheque Book
Enquiry of Cheque Book HCHBI
Issuance Enquiry of A/c with Cheque No. HINQACHQ
Lien Marking / Removing Lien on A/c & Verify HALM
Maintenance
Freezing A/c Freezing / Unfreezing A/c and Verify HAFSM
Marking / Revoking Stop Payment of Cheque HSPP
Stop Payment Verifying Marking / Revoking Stop Payment of Chq HSPPAU
Stop Payment Report HSPRG
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SI Creation & Verify HSSIM
SI Inquiry HSSII
Standing
SI Reports HSIREPTS
Instructions SI Register Print HSIRP
SI Advice Print HSIADVC
Teller cash balance position – Own HTCPI
Teller cash balance position – Any Teller HTCPIAE
Vault Transactions Entering, Posting & Verifying HTM
Vault
Transaction Inquiry by Tran ID HTI
Transactions Teller Transaction Wise Cash Report - Own HSCWRPT
Teller Transaction Wise Cash Report – Any Teller HSCWRPTA
See scheme-wise reports HFINRPT
Inquire on Transactions HIOT
Postings into Office Accounts Basic and Office Accounts HTM
Office Pointing & Verification
Accounts Ledger Inquiry – Office Accounts HACLINQ
Printing of Office A/c Ledger HACLPOA
Open TD A/c CMISAOP
Modify TD a/c before verification CMISAOPM
Verify new TD A/c CMISAOPV
Modify & Verify existing TD A/c CMISAM
Funding TD a/c by Cash CTM
Funding TD A/c by Transfer HXFER
CXFER
Term TD Renewal History HRENHIST
Deposits TD Transaction History HTDTRAN
Printing Pass Book HPBP
Extension of TD A/c & Verify HTDREN
Close TD A/c HCAACTD
Verify closure of TD A/c HCAACVTD
Enquire Details of a TD A/c TDINQ
Payment Closure Proceeds by Cash HCASHPND
Inquiry on holding amt of an existing MIS A/c holder CLIMIT
Open MIS A/c CMISAOP
Modify MIS a/c before verification CMISAOPM
Verifying new MIS A/c CMISAOPV
Modify & Verify existing MIS A/c CMISAM
MIS Inquiry into Old Sanchay Post Transactions TIPM
Extension of MIS A/c & Verify HTDREN
Close MIS A/c HCAACTD
Verify closure of MIS A/c HCAACVTD
Inquire on MIS Interest in Sundry A/c HIOT
Payment of MIS Interest by Cash HTM
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Open SCSS A/c CSCAOP
Modify SCSS A/c before verification CSCAOPM
Verify new SCSS A/c CSCAOPV
Modify & Verify existing SCSS A/c CSCAM
SCSS Close SCSS A/c HCAACTD
Verify closure of SCSS A/c HCAACVTD
Extension of SCSS A/c & Verify HTDREN
TDS Inquiry and Print HTDSIP
TDS Customer wise report generation HTDSREP
Open New RD A/c CRDOAAC
Modify RD A/c before verification CRDOAACM
Verify RD A/c Opening CRDOAACV
Modify & Verify existing RD A/c CRDACM
RD Pass Book Printing HPBP
RD A/c Installment Deposit & Verifying CRDP
Check Pending Installment HPLIST
Extension of RD A/c & Verify PRDCM
Close RD A/c & Verify CRDCAAC
Open New NSC CSCOAAC
Modify NSC before verification CSCOAACM
Verify new NSC CSCOAACV
Printing of Certificate HDRP
NSC / KVP Printing of Duplicate Certificate HDUDRP
Modify existing NSC / KVP A/c CSCACM
Closing NSC & KVP A/c and Verifying CSCCAAC
NSC/KVP Certificate Transfer and Verifying HCCA
A/c Maintenance Inquiry TDINQ
Open PPF A/c CPPFAO
Modify PPF A/c before verification CPPFAOM
Verify new PPF A/c CPPFAV
Modify existing PPF A/c CPPFAM
Funding of PPF A/c & Verifying CPDTM
Withdrawal from PPF A/c & Verifying CPWTM
PPF Extension of PPF A/c & Verifying HCEXTN
Closure of PPF A/c and Verifying HCAAC
Zeroise interest for Transfer-out a/c HINTTM
Transactions Upload to Transfer-in a/c CTUPLD
CBS to CBS Transfer A/c HACXFSOL
RD Loan A/c closure & verification CAACLA
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RD Loan Open RD Loan A/c CAOLARD
Modify RD Loan A/c before verification CAOMLARD
Verify new RD Loan A/c CAOVLARD
Modify existing RD Loan A/c CACMLARD
RD Loan disbursement LARDD
RD Loan Repayments – Unscheduled HLAUPAY
RD Loan Repayments – Scheduled HLASPAY
RD Loan A/c Payoff & Verification HPAYOFF
Open PPF Loan A/c CLPPFAO
Modify PPF Loan A/c before verification CLPPFAOM
Verify new PPF Loan A/c CLPPFAOV
Modify existing PPF Loan A/c CLPPFAM
PPF Withdrawal, Loan Disbursement and Interest CPWTM
PPF Loan Recovery
Repayment of PPF Loan CPDTM
Before PPF Loan A/c closure CLPR and
HACINT
Closure of PPF Loan A/c & Verify HCAAC
Lodge Instruments at SO / HO Level HOMSO
Report generation for cheques lodged by SO / HO HOMSOEX
File download of SO by HO HTRFTOPC
File Upload by HO HCLUPLD
O/w Zone – Open, Suspend, Release to Shadow Balance, HMCLZOH
Outward Regularize
Clearing O/w clearing cheques lodging in the zone HOCTM
Lodged O/w Clearing cheques bulk verification HOCTV
Print Outward Clearing Schedule HPCLSO
Inquiry of Lodged Cheques HIOCLS
Marking certain cheques pending in a zone HMARKPEN
Revoke pending status of the cheques HREVPEND
I/w Zone –Open, Suspend, Validation Run, Post, Close HMICZ
Upload I/w Clearing File HRMI
Inward
Verify and Post I/w Clearing records, Return Marking HICTMO
Clearing Print Inward Clearing Dump HPICW
Report of I/w clearing rejects HREJREP
Outstation Lodge & Realize / Dishonour OCC & Verify HIRM
Enquire on remittances HINWREMI
Cheque
Collection
Agent Portal Create Agent ID & Verify HDSAMM
Post Agent’s Transactions & Verify HAGTXP
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Check Unverified Financial Transactions HFTI
Check Un-authorized Functions HAFI
All pending activities report – By SO HSVALRPT
EOD / BOD
SOL Change of Operating Date – By SO HSCOD
Process Check SOL Status –by HO HSSI
SOL Closure Operations – Run By HO by Sol Set ID HSOLCOP
SOL Closure for Last Day – Run by HO HSCOLD
Withdrawal Transactions CTM or CXFER
Amend Nomination Details & Verify HACM
Recover TDS before Closure HCACC
Closure of NSS A/c & Verify HCAAC
NSS Removal of Freeze & Verify HAFSM
Inquire NSS92 original deposit amount (Free Text HACM_MIS Codes
12)
IEnquire NSS Form 15G / 15H update (Free Code 9) HACM_MIS Codes
Discontinued Payment of Principle Amount & Verify HTM
Payment of PMI Amount & Verify CTM or CXFER
Scheme
Memopad Create Memopad HMEMOPAD
Verify Created Memopad HMPAU
Exceptional Change of Scheme & Verify HACXFRSC
A/c
Menu Shortcuts for Important Reports

Function Report Description Menu Shortcut
Reports View / Print System Generated Reports HPR
Reports View / Print Customised Reports HFINRPT
Clearing Inward Clearing Dump HPICW
Clearing Print Outward Clearing Dump HPWO
Clearing Print Inward Clearing Returns Advice / Report HREJREP
Stop Payment Stop Payment Register HSPRG
SI Standing Instructions Report HSIREPTS
Cash Cash Transactions done by Teller(Shroff) HSCWRPT
Transactions Financial Transactions Report HFTR
Exceptions Exceptions Report HEXCPRPT
TD / MIS / SCSS / RD A/c Balance Details HACDET
Office Accounts Ledger Prints HACLPOA
Savings Accounts Minor Turned Major Report HCBM
EOD All pending activities report HSVALRPT
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- Important Inquiry Options -
Purpose Menu Option
Duplicate CIF CDEDUP
Accounts Linked to a CIF HCRV
Transactions in a customer a/c HACLI
Transactions in office a/c HACLINQ
Find out the new account no. for old account no. CNAC
Inquire Balances in the customer a/c HACCBAL
Inquire general details of customer a/c HACCDET
Inquire Inventory (Between Locations – HIMI
Movement)
Inquire Inventory (Particular Location – Available) HIIA
Inquiry of Cheque Book HCHBI
Inquiry of A/c with Cheque No. HINQACHQ
Inquire on Transactions in Office Accounts HIOT
Term Deposits Transaction Details HTDTRAN
Inquiry into Old Sanchay Post Transactions TIPM
A/c Maintenance Inquiry HACITD
Standing Instruction Inquiry HSSII
Particular transaction inquiry with Tran ID HTI
Teller cash balance position – Own HTCPI
Teller cash balance position – Any Teller HTCPIAE
Search existing customer and accounts HACS
Inquiry of lodged outward clearing cheques HIOCLS
Enquire on remittances HINWREMI
Inquire Status of Financial Transactions (E/P/V) HFTI
Enquire NSS92 original deposit amount (Free Text HACM_MIS
12) Codes
Enquire NSS Form 15G / 15H update (Free Code 9) HACM_MIS
Codes
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Important Scheme Codes
Product Scheme Code Particulars
SB A/c SBBAS Basic Savings A/c
SBCHQ General – With Cheque Book
SBGEN General – Without Cheque Book
SBPEN Pensioner – With Cheque Book
SBPWC Pensioner – Without Cheque Book
MIS A/c MISN1 Monthly Income Scheme – Normal
NSC NSC81 NSC VIII – Rs. 100
NSC82 NSC VIII – Rs. 500
NSC91 NSC IX – Rs. 100
RD A/c RDIPN Recurring Deposit - Normal
SCSSS A/c SCSCM Senior Citizens Savings Scheme
SCDEF SCSS – Retired from Defence
SCVRS SCSS – Voluntary Retirement
TD A/c TDIP1 Term Deposit for 1 Year
TDIP2 Term Deposit for 2 Years
RD Loan LARD Recurring Deposit
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CBS User Guide WB Ver 1

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USER GUIDE ON

CORE BANKING SOLUTION

WEST BENGAL CIRCLE

SECTION - 2 LOGIN, PASSWORD, TOOLS & BUTTONS

SECTION -6 KYC & ACCOUNT OPENING FORM

SECTION -8 SAVINGS BANK ACCOUNT(SB)

SECTION -11 RECURRING DEPOSIT(RD)

SECTION -12 PUBLIC PROVIDENT FUND (PPF)

SECTION -15 NSS & OTHER DISCONTINUED SCHEME

1.1 Introduction to Core Banking Solution (CBS) and Finacle

1.2 Basic features of Core Banking Solution (CBS) and Finacle

1.2.2 Browser based (Web Package) System -

1.2.3 Double Entry System -

Assets - Liabilities = Equity + (Income – Expenses)

 Debit (Dr.) & Credit (Cr.) -

 In case of Personal Account –

 Maker-checker (Maker and Checker, or 4-Eyes) is one of the central principles of

1.2.5 About SOL (Service OutLet) and BO Code –

1.2.6 Different types of Users in Finacle –

1.2.7 Creation of Customer Information File (CIF) –

1.2.8 Account Numbers in Finacle –

1.2.9 Funding of Account (Deposit while opening of account) –

 In Finacle, deposit is called Funding.

1.2.10 Inventory Movement –

1.2.11 Acceptance of Bulk RD Deposits of MPKBY Agents –

1.2.12 Office Account concept –

 Finacle CBS Application is based on Double Entry accounting system.

1.2.13 Transaction Status in Finacle –

1.2.14 Day End and Begin –

1.2.15 Role of CPC –

 CBS operational support for the CBS POs

2.1 Login procedure in Finacle –

1. Open Internet Explorer.

2. Click Favorite button or Favorite Menu.

3. A new screen will come which says

4. Login window will come and a small

window. [See Fig 2]

5. Wait for about a minute or two and again a

Note : In some system this option may not come.

6. The status will change from “Error loading

7. Now Enter User ID in small letter, press Tab in

Note : Before entering the User ID and Password

8. It will show “You will be redirected to your default

Always Single click while using Finacle.

2.3 Logout Procedure in Finacle –

2.4 Problem faced regarding login [user logged in / user is locked] –

2.4.2 User is Locked -

1. At least one numeric character (0-9).

Procedure to Change the Password –

2.9 When your PC is not responding/Hanged –

1. Menu: CNAC - Click Go [Fig 3.1]

4.3 Procedure of Transferring cash from Vault to Teller –

VAULT TRANSACTION BY COUNTER PA (TELLER)

The Procedure is shown below with Figure 1, 2, 3 & 4

4.4 Transaction in Teller Account

1. Menu: HIMC – Click Go [Fig 5.6] 2. Function – Verify

1. Menu: HIMC – Click Go 2. Function – Verify

5.5 Verification process by Supervisor –

5.6 If the Transaction ID could not be noted for any reason –

5.7 Splitting of Cheque Book –

1. Menu: HISIA – Click Go [Fig 5.18] 2. Function – Split

5.8 Merging of Cheque Book –

1. Menu: HIMIA – Click Go [Fig 5.22] 2. Function – M-MERGE

1. Menu: HIMC – Click Go 2. Function – Add